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Book a Corporate Life Insurance Strategy call with on of our Licensed Advisors. We'll discuss a Corporate-Owned Universal Life Insurance policy, help you identify and setup the best policy that meets yours business goals and needs.
Inquire: Corporate Universal Life >
Corporate-owned Universal Life Insurance is a permanent life insurance policy owned by a corporation that combines lifelong coverage with the ability to build cash value (CV) inside the policy over time. It is designed for businesses looking to protect key individuals while also creating a more strategic use for surplus corporate funds. A portion of the premium goes toward the insurance coverage, while additional funds are invested and can build value within the policy on a tax-advantaged basis. For corporations focused on long-term planning, Corporate Universal Life can support wealth preservation, estate planning, and the efficient transfer of value to future beneficiaries or shareholders.
The amount you pay to cover the cost of insurance is always the same, it does not go or change.
Any payments beyond cost of insurance is invested in your portfolio to build Cash Value.
Your investment can grow tax-sheltered and increases your Cash Value.
The death benefit on your policy is paid directly to your corporation or beneficiary tax-free.
Corporate-owned Universal Life (UL) offers more flexibility and more investment choice. The corporation can usually adjust premiums within limits, choose how much goes toward the insurance component versus the cash value component, and select from insurer-provided investment options such as interest accounts or market-linked accounts. That makes UL more attractive for corporations that want a more customized, growth-oriented approach and are comfortable with more moving parts.
Corporate-owned Whole Life (WL) is usually more structured and more predictable. It provides lifelong coverage, builds guaranteed cash value over time, and with participating whole life may also pay policy dividends. The insurer manages the underlying investments rather than the corporation choosing from a menu of investment accounts. That makes WL more appealing for corporations that prioritize stability, simplicity, and long-term certainty.
A Universal Life Insurance policy is created and paid for by the Corporation.
The Corporation is named and assigned as the beneficiary on the universal life insurance policy.
The Corporation pays the insurance premium. A portion of the payment pays for coverage, the rest is invested into your portfolio with tax-sheltered growth and building Cash value (CV).
Depending on your policy the Corporation can borrow a percentage of the CV. Additionally the Corporation always has a guaranteed Tax-Free Death Benefit transfer of wealth to the beneficiaries or shareholders.
Whatever your life’s goals, our financial professionals can help design a strategy tailored to your specific needs. Kinley Financial is primed to help you prepare for the long term with life insurance, education planning, and retirement strategies.
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