Universal Variable Life Benefits

Variable Life allows you to customize your permanent life insurance protection and combine it with investment options that let you decide how your hard-earned premium dollars are invested.

Flexible life insurance coverage - the ability to increase or decrease premiums or coverage, add or delete riders, and change investment options (subject to underwriting and/or surrender charge)
Tax-deferred accumulation of funds in twenty-two professionally-managed Investment Divisions
Tax-free transfers between Investment Divisions
Life insurance benefits paid to beneficiaries usually fully excluded from Federal income tax

Why Ernst, Hienz & Macaluso L.L.C.

We work with a preferred agency that specializes in the design, installation, and administration of employee benefit plans. With clientele that range from sole proprietors to large corporations and municipalities, it is their goal to provide exceptional service and a variety of plans designed to fit your needs. They represent only "A+" rated insurance carriers, managed care companies, and third party administrators.