Features and Benefits of a FPF

• Premium low: If you choose you could pay a minimum amount on the premium
• Flexible: IULs offers great flexibility you could adjust your payments also there are a variety of optional riders.
• Unlimited contributions: As long as you do not exceed the modified endowment contract (MEC) limits you can make as many contributions as you want.
• Less risk than stock market: IULs are less risky than in two ways. First IULs are not invested in the market and second, most IULs have contract provisions that limit losses, many times to zero.
• Death benefit guaranteed: As long as you keep the policy from lapsing the death benefit is secured.
• Cash value accumulation: The cash value can accumulate at such a rate that you could reduce or stop making payments out of pocket.
• Easy distribution: The cash value of the policy can easily be assessed at any time.