Policy Design -Knowledge Vault

Every individual is going to have different needs and abilities when it comes to a cash value policy. What many are not aware of is that one can choose where your money goes in a life insurance policy. You may direct dollars toward base premium (insurance expense) or a PUA Rider (cash dump-in). Money that is directed toward Base Premium first satisfies the Death Benefit and eventually builds cash value. Money that is directed toward the PUA Rider is allocated toward cash value and is available immediately. This also purchases us additional life insurance as well and is still classified as a “Premium” from the insurance industry standards