Lifelong Protection
Provides coverage that lasts a lifetime, helping ensure your loved ones are protected no matter what stage of life you're in.
Flexible coverage with growth potential
What is Protection Advantage Universal Life Insurance?
Our Protection Advantage Universal Life Insurance, issued by Manhattan Trust I.I., provides lifelong coverage with built-in flexibility and cash value growth. Designed to adapt to your evolving needs, it allows you to adjust premiums based on your financial situation. It’s a long-term solution that offers both protection and support for your broader financial goals.
How it Works
Premiums
Premium payments are added to your policy’s cash value. A portion of each payment goes toward some of the expenses associated with your policy.
Interest
The balance earns interest. This interest is added to the cash value each month, providing compound growth. Gradually, you gain access to the cash value, if needed, through the policy’s loan and withdrawal provisions.
Accessing Your Funds
As your cash value grows, it becomes liquid. Access to funds can be made through policy loans, withdrawals, or surrender of the policy, subject to the terms and conditions of the contract.
Protection Advantage Universal Life Insurance Benefits
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Flexible Premiums
Adjust premium payments over time based on your financial situation, giving you greater control over your policy.
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Cash Value Growth
Accumulates cash value over time, which you can access for future financial needs such as emergencies or retirement planning.
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Supports Long-Term Goals
Combines insurance protection with financial planning—ideal for building wealth, leaving a legacy, or supplementing retirement income.
Protection Advantage Universal Life Clientele
What kind of clients purchase Protection Advantage Universal Life?
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Lifelong Coverage Seekers
Ideal for individuals who want permanent protection with the added benefit of building long-term value.
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Professionals & Business Owners
Suited for those with fluctuating income who value flexible premiums and want to incorporate insurance into their broader financial strategy.
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Legacy Planners
A smart choice for clients looking to leave a financial legacy, support heirs, or cover future estate tax obligations.
Policies are issued through individual Subtrusts within a Master Trust structure, providing a secure structure for the benefit of the designated beneficiaries.
Want to learn more about our Protection Advantage Universal Life Insurance?
Explore features, benefits, and important details in our brochure.
View the Brochure ›