EquiBuild is a one-of-a-kind universal life insurance product. Its unique design allows the accumulation of cash surrender values that your client can use when the time comes. These cash surrender values are guaranteed and begin to accumulate as soon as the policy is issued.
The addition of paid-up insurance to EquiBuild is another interesting feature. Each year, your client can buy paid-up insurance by paying an additional premium. This advantage guarantees your client a higher death benefit than provided by the initial coverage, since the additional insurance increases the death benefit thereby increasing the cash surrender values.
One of the key attributes of EquiBuild is its bonus: EquiBuild Bonus. Directly related to the return on the EquiBuild Fund, this bonus contributes to growing the two components of the policy: the cash surrender values and the death benefit.
EquiBuild with Integrated Coverage offers your clients the addition of 10- or 20-year integrated coverage. Integrated Coverage helps to grow the death benefit in the first few years of the policy and is then adjusted to the basic death benefit. Clever allocation of coverage (EquiBuild and Integrated Coverage) allows us to offer a higher face amount in the first few years of the policy without raising the premium.
Equibuild 15-year Payment allows clients to pay up the policy earlier thanks to guaranteed, level accelerated payments. Made to mirror life as the growth of the death benefit evolves with the increasing needs of young children and adults.
Equibuild 15-year Payment allows your clients to rapidly accumulate cash surrender values, considerably grow the death benefit and maximize the annual bonus.