Universal Mortgage & Economic Consultants Inc. We present a complete spectrum of monetary options for all kinds of commercial properties and firms specializing in hospitality and commercial actual estate funding as properly as sophisticated merger and acquisition advisory to raising equity and debt financing. Prior to launching Universal, VM was an owner and developer of hotels & senior living communities in the UK, which provided him keen insight into the hospitality business.
The difference involving variable universal life insurance coverage and other kinds of permanent insurance is that the policyholder directs how premiums are invested. At Universal Mortgage, we realize our clients’ requires will vary according to their enterprise model, and as a result we have the capability to raise capital for a broad range of businesses – spanning over 40 firms and sectors. Universal Mortgage & Monetary Consultants Inc is a full service national financing enterprise established in Central Florida.
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Sonny is also a licensed Real Estate Broker in the state of Florida and has joined Universal to expand the corporation into other verticals. Even so, a variable universal life insurance coverage policy also has options that need to be clearly understood just before an individual commits to a policy. Variable life and variable universal life insurance are sold by prospectus only. Variable universal life insurance coverage has special capabilities that might be desirable to some insurance purchasers.
Active Belleair Beach, FL â€” President for Universal Financial Consultants, Inc. Based on the performance of variable life and variable universal life insurance coverage, the account value will fluctuate with changes in market place conditions. And, as with universal life insurance coverage, it delivers a flexible premium and an adjustable benefitâ€”meaning the policyholder decides how much to place in the policy above a set minimum. Accessing the cash value in your insurance policy by means of borrowingâ€”or partial surrendersâ€”has the prospective to decrease the policy’s cash worth and advantage.
Accessing the money worth may perhaps also boost the possibility that the policy will lapse and might outcome in a tax liability if the policy terminates prior to your death. But universal life insurance coverage has an important distinction from other types of permanent insurance: it gives a versatile premium. Sonny Sharma has been in the monetary solutions and true estate industry given that 2002.
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With a busy life in an ever-altering monetary climate, it can be challenging to confidently make a financial tactic, let alone have the time to manage it. Universal Financial has constructed the infrastructure and relationships expected to provide these solutions at the highest level. Universal life insurance is permanent life insurance â€” that is, it remains in force for your whole life. Like other kinds of permanent life insurance, policyholders can even borrow a portion of their policy’s cash worth beneath relatively favorable terms.
Normally, loans taken from a policy will be no cost of existing income taxes provided specific circumstances are met, such as the policy does not lapse or mature. Variable universal life insurance coverage is permanent life insuranceâ€”it remains in force for the policyholder’s entire life. It also signifies returns could underperform these supplied by other life insurance coverage products. If a policy is surrendered prematurely, the policyholder also may possibly pay surrender charges and have revenue tax implications.
Universal Financial Consultants – Accessing the money worth may well also raise the chance that the policy will lapse and could result in a tax liability if the policy terminates ahead of your death.