Universal Life Insurance or Whole life is a standard insurance policy that remains in force for the policyholder’s lifetime. It offers both insurance death benefit protection and a cash value accumulation. Premiums do not rise as you grow older, but are substantially higher than term insurance premiums in the early years for the same coverage. The excess premium typically builds cash value on a tax-deferred basis.

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Compared to traditional Universal Life, Indexed Universal life (IUL) offers greater upside potential on cash value accumulation as interest is credited to the policy based on a specific index or several indices. Compared to UL, IUL products have similar insurance charges, minimum guarantees and flexibility in modifying both the death benefit and premium payments. And as with many UL product offerings, Indexed Universal life policies are available in single life, survivorship and even single premium versions.

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Variable Universal life insurance (VUL) offers permanent coverage and investment options to accumulate cash values utilizing variable subaccounts. As the name suggests, VUL policies offer fluctuating benefits. Under most forms of VUL, you can vary the amount and timing of premium payments, subject to certain minimums. The insurance company invests the premiums and offers a choice of funds, in which the premium money will be invested. The amount of money beneficiaries will receive and the cash value of the policy depend on how well the insurance company invests the money.

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Navigating the plethora of annuity plans offered in the market can be overwhelming. They offer a wide range of features and benefit provisions that are not only complex, but ever-changing. DBS works with a trusted strategic partner for all annuity sales. Please login to find out more information, and please note that availability may be determined based on your specific account agreement. 

Disability Income insurance provides a monthly cash benefit when one can’t work because of a covered accident or sickness. Although no one likes to think about the potential to become disabled, planning for the unexpected today will help ensure a financially secure tomorrow. DBS works with a trusted strategic partner for all disability insurance. Please login to find out more information, and please note that availability may be determined based on your specific account agreement. 

Long term care insurance is designed to cover some or all of the costs associated with the services needed to assist you with your activities of daily living. This type of insurance covers chronic care that traditional health insurance does not. It also helps to protect assets that would otherwise have to be used to pay for this care. DBS works with a trusted strategic partner for all traditional long-term care insurance sales. Please login to find out more information, and please note that availability may be determined based on your specific account agreement.