{"id":91803,"date":"2024-12-23T04:18:01","date_gmt":"2024-12-23T04:18:01","guid":{"rendered":"https:\/\/adamfayed.com\/?p=91803"},"modified":"2024-12-23T04:18:01","modified_gmt":"2024-12-23T04:18:01","slug":"genesis-indexed-universal-life-review","status":"publish","type":"post","link":"https:\/\/adamfayed.com\/es\/review-articles\/genesis-indexed-universal-life-review\/","title":{"rendered":"Revisi\u00f3n del seguro de vida universal indexado G\u00e9nesis"},"content":{"rendered":"

Genesis+ Indexed Universal Life (IUL) se dirige a clientes acaudalados que desean aumentar su patrimonio al tiempo que proporcionan seguridad financiera a largo plazo para sus seres queridos y sus empresas. Seguro de vida<\/p>\n\n\n\n

Vida seguro<\/a> coverage and investment growth potential connected to multiple market indices are combined in Genesis+ IUL.<\/p>\n\n\n\n

It allows policyholders to modify their payments and investment distributions over time.<\/p>\n\n\n\n

We\u2019ll explore the different types of account, fees, and the positives and negatives of this product from Transamerica Life (Bermuda) Ltd.<\/p>\n\n\n\n

Si desea invertir como expatriado o particular con un elevado patrimonio neto, que es en lo que estoy especializado, puede enviarme un correo electr\u00f3nico (advice@adamfayed.com) o WhatsApp (+44-7393-450-837).<\/p>\n\n\n\n

Tambi\u00e9n si busca alternativas o una segunda opini\u00f3n.<\/p>\n\n\n\n

Algunos de los hechos podr\u00edan cambiar desde el momento de la redacci\u00f3n, y nada de lo aqu\u00ed escrito constituye asesoramiento formal. Por lo tanto, los inversores potenciales no deben invertir o decidir no invertir bas\u00e1ndose en esto. revise<\/a> solo.<\/p>\n\n\n\n

Si desea orientaci\u00f3n actualizada, p\u00f3ngase en contacto conmigo.<\/p>\n\n\n\n

Genesis+ Indexed Universal Life Accounts<\/h2>\n\n\n\n

<\/p>\n\n\n\n

Genesis IUL Index Account<\/h3>\n\n\n\n

En product<\/a> provides several options under this account, such as:<\/p>\n\n\n\n

    \n
  1. Global Index Account<\/li>\n\n\n\n
  2. US Market Index Account<\/li>\n\n\n\n
  3. S&P 500 Index Account<\/li>\n\n\n\n
  4. S&P 500 Shariah Index Account<\/li>\n<\/ol>\n\n\n\n

    <\/p>\n\n\n\n

    Every option offers varying growth potentials depending on how well the underlying indices perform. It enables policyholders to adjust their investment plans based on their risk appetite and market outlook.<\/p>\n\n\n\n

    The policyholder’s financial circumstances can be taken into account when adjusting premium contributions.<\/p>\n\n\n\n

    The Index Account protects against market downturns by guaranteeing a floor rate of 0.00% annually. Because of this feature, the policyholder’s investment is unlikely to lose value even in unfavorable market outcomes.<\/p>\n\n\n\n

    An extra degree of protection for the policyholder’s investment is offered by a cumulative guarantee of 2.00% annually that takes effect upon complete surrender of the policy.<\/p>\n\n\n\n

    A persistency bonus, which increases the total return on investment, is offered beginning in the 11th policy year or upon the insured’s 65th birthday.<\/p>\n\n\n\n

    The policy offers a terminal illness benefit that permits access to money should a serious health problem occur. This comes on top of a death benefit to make sure beneficiaries are financially secured.<\/p>\n\n\n\n

    Policyholders may borrow against the policy or withdraw cash value.<\/p>\n\n\n\n

    Genesis IUL Fixed Account<\/h3>\n\n\n\n

    The Fixed Account provides a 4.10% annual lock-in crediting interest rate for the first policy year.<\/p>\n\n\n\n

    The cash value deposited into this account will yield a guaranteed return at this initial rate.<\/p>\n\n\n\n

    Policyholders are guaranteed a minimum crediting interest rate of 1.50% annually for the duration of the policy, which guarantees that they will get at least this yield even amid a low-interest backdrop.<\/p>\n\n\n\n

    The Fixed Account provides protection against market downturns because the funds invested in it are not impacted by them. Because of this, it can be a desirable choice for cautious investors who place a high value on capital preservation.<\/p>\n\n\n\n

    \"Genesis<\/figure>\n\n\n\n

    <\/p>\n\n\n\n

    The same persistency bonus applies. Moreover, policyholders can choose to borrow against or withdraw cash value from the Fixed Account.<\/p>\n\n\n\n

    Policyholders can diversify their investment strategy by combining the Fixed Account with other indexed account, as they can divide their money between steady returns and growth prospect tied to market indices<\/p>\n\n\n\n

    Genesis Indexed Universal Life Costs<\/h3>\n\n\n\n

    Each gross premium is subject to a premium charge of 6.00%, with the remaining sum being allocated to the fixed account or index accounts as account value.<\/p>\n\n\n\n

    The first 15 policy years are subject to monthly expense charges, which differ according to:<\/p>\n\n\n\n