Houston Life Insurance for Employees
It is important to make sure that when your employees fall sick that they are taken care of.
As trusted insurance advisers in Houston, Uptown Life And Annuities PLLC offers affordable and flexible Group life plans and health benefit packages to businesses of all sizes. Our experienced specialists work closely with business owners to design the packages that help attract and retain the kind of workforce you want to attract.
Group Life Insurance
Helping business owners in the Houston region to insure their employees and families for many years, the dedicated team at Uptown Life And Annuities PLLC will thoroughly assess your group life insurance needs and create affordable packages that are specifically customized to your business.
Universal Life Insurance-
Offers permanent protection with an added opportunity for tax sheltered investment.
Group Term Life-
The most cost effective choice, rates and coverage are guaranteed and renewed depending on the term (10 years, 20 years). Uptown Life And Annuities PLLC experts can designate options that allow for conversion to Whole Life or Universal Life.
Group Whole Life-
An excellent choice for those who require lifetime protection, this coverage may offer cash values and includes guaranteed level premiums and death benefits.
Specialized group life insurance options
Ask a Uptown Life And Annuities PLLC advisor to learn more
What is Indexed Universal Life?
What if you could get the flexibility of adjustable premiums and face value, and an opportunity to increase cash value; What if you could get this without the inherent downside risk of investing in the equities market? It's your lucky day: All of this is possible with an indexed universal life insurance policy.
Indexed universal life (IUL) allows the owner to allocate cash value amounts to either a fixed account or an equity index account. Policies offer a variety of well-known indexes such as the S&P 500 or the Nasdaq 100etc IUL policies are more volatile than fixed ULs, but less risky than variable universal life policies because no money is actually invested in the stock market.
How Does It Work?
When a premium is paid, a portion pays for annual renewable term insurance based on the life of the insured. Any fees are paid, and the rest is added to the cash value. The total amount of cash value is credited with interest based on increases in an equity index (but it is NOT directly invested in the stock market). Some policies allow the policyholder to select multiple indexes. IULs usually offer a guaranteed minimum fixed interest rate and a choice of indexes. Policyholders can decide the percentage allocated to the fixed and indexed accounts.
With access to a large number of insurance carriers, Uptown Life And Annuities PLLC experts offer trustworthy and experienced guidance. We source the best rates and create a plan that is just right for your business. Call us for a free quote.