Patrick Anderson, CCA, AFSP, CFEI
Unifirst Financial & Tax Advisors
Insurance products, including annuities, offered through Unifirst Financial LLC, VA Insurance License #142001.
The generalized information we provide regarding tax minimization planning is not intended to, and cannot, be used by anyone to avoid paying federal, state, or local municipality taxes or penalties. You should seek advice based on your particular circumstances from an independent tax advisor as tax laws are subject to interpretation and legislative change and unique to every specific taxpayer’s particular set of facts and circumstances.
This document is intended to provide an overview of the key features of PremiumLife™/PremiumLife Plus™ strategies. This document provides general guidance on some legal or tax issues; it is not a tax opinion or legal advice. The information presented here is not specific to any individual's personal circumstances. UFC does not offer tax advice, and taxpayers should seek the advice of their own tax and legal professionals regarding their specific circumstances. This document may contain a general analysis of tax issues and information to support the promotion of strategies that may benefit a taxpayer. This document is not intended for, and cannot be used by, any taxpayer for the purpose of avoiding tax penalties.
This document does not cover all of the terms and conditions of the policies or riders included in the strategy. The life insurance policy within the strategy you select describes coverage under the policy and any exclusions and limitations. Please contact your financial professional for more information about costs and coverage, how to keep your policy in force, and what could cause your policy to lapse. Availability of life insurance policies and benefits may vary by state.
Information and opinions in this document have been obtained from sources believed to be reliable, but we cannot guarantee their accuracy or completeness. Opinions expressed are for general information purposes only and are subject to change without notice.
This document is not an offer to buy or sell, or a solicitation of an offer to buy or sell, any of the securities or strategies mentioned. The strategies discussed or recommended in this document may be unsuitable for some clients depending on their specific objectives and financial circumstances. UFC does not make financial recommendations and is not your representative or financial advisor. Individuals should consult their financial professional before making any financial decisions. Any indexes mentioned in this document are unmanaged and not available for direct investment. And, past performance is no guarantee of future results.
Life Insurance is not a deposit at any bank nor is it FDIC insured or insured by any government agency, bank or savings association. Policies may go down in value. Life insurance policies require medical underwriting and have terms under which the policy may be continued in force or discontinued. Current cost of insurance rates and interest crediting rates are not guaranteed. Therefore, the planned periodic premium may not be sufficient to carry the contract to maturity. Caps and interest rates may change over time, so future credits may be different than shown in any illustration.
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