Life & Disability Insurnace

Life Products Offered:

• Term Life
• Universal Life
• Variable Life

Universal Life versus Variable Universal Life:

Universal Life Insurance
A type of insurance that combines a death benefit with a savings element that accumulates tax deferred at current interest rates. Under a universal life insurance policy, the policy holder can increase or decrease his or her coverage, with limitations, without purchasing a new policy.

Variable Universal Life Insurance (VUL)
A type of life insurance that combines a death benefit with an investment element that accumulates tax deferred. The account value can be allocated into a variety of investment subaccounts. The investment return and principal value of the variable subaccounts will fluctuate; the policy's account value, and possible the death benefit, will be determined by the performance of the chosen subaccounts and is not guaranteed. Withdrawals may be subject to surrender charges and are taxable if the account owner withdrawals more than his or her basis in the policy. Policy loans or withdrawals will reduce the policy's cash value and death benefit and may require additional premium payments to keep the policy in force. There may be additional fees and charges associated with with a VUL policy.

Disability Products Offered:

• Individual Disability Income
• Group Long Term plans

Need More Info? Want a Quote?

You can contact us today for more information or simply fill out our online quote form.

_{Joseph M. Floss, CIC, Investment Advisor Representative, jfloss@ae.CadaretGrant.com. Securities offered through Cadaret Grant & Co., Inc. member FINRA/SIPC  8625 Main Street, Williamsville, NY  14221  716-631-0190 Licensed in Arizona, California, Connecticut, Florida, Pennsylvania, Nevada, New Hampshire, New Jersey, New York, Ohio, South Carolina, Tennessee and Virginia www.CadaretGrant.com. EMS Group, Floss Agencyand Cadaret Grant are separate entities.}