Sometimes basic life insurance isn't the right choice. Universal Life programs are designed to provide protection that fits your changing financial situation with:      w Flexible coverage      w Changeable death benefits      w Options for timing and method of premium payment      w A long list of features and options Universal Life plans offer preparation for retirement, estate conservation and tax benefits. Flexible Universal Life Benefits      w Coverage - We offer a low minimum coverage to help you get started. Permanent coverage is available in amounts as low as $75,000 ($50,000 for juveniles).      w Premium - A minimum premium is required the first year, with the option of changing the timing or amount of payment afterwards.      w Cash value - Every month cash value is credited to the policy to give you full benefits from the time you pay your premium. You also get competitive, current rates. Flexible Coverage - This plan works hard to keep up with your current and future needs. It allows you to change the type of coverage and the death benefit while offering an outstanding cash accumulation program. Flexible Universal Life can adjust to provide: wOptimum insurance protection wEstate conservation wMaximized income wTax-favored status for faster growth wAdditional source of retirement savings Special Riders and Benefits Custom tailor your particular plan from the following:      wWaiver of Deductions      wMonthly Disability Benefit      wAccidental Death Benefit      wAdditional Insured Rider      wIncrease Benefit      wPayer Waiver of Deduction      wChildren's Rider      wJuvenile Guaranteed Insurability Benefit      wDeposit Fund The Premier Plan is a life insurance policy designed to provide you with both retirement income for you and insurance benefits for your loved ones:      wLife insurance benefits for your heirs      wRetirement income payments      wTax-free benefits for your beneficiaries This plan has been designated as a Modified Endowment Contract (MEC) under the Internal Revenue Code. As a Modified Endowment, it offers you certain advantages over other time-proven financial instruments, such as CDs and Annuities. For example, interest accumulations in the Premier Plan are tax-deferred, and you may borrow from it when the need arises. The Premier Plan Allows Policy Loans This plan gives you the option to use your funds through policy loans which are taxed interest-first to the extent there is gain in the policy. Distributions taken prior to age 59 1/2 may be subject to tax penalties. Tax-Free Death Benefit of Premier Plan Like all life insurance policies, this plan provides your beneficiaries with benefits in the event of your death. With the Premier Plan, interest earned on funds applied to the policy is not subject to income tax when paid to a named beneficiary. For complete information on Universal Life contact Danner Insurance.