Permanent Insurance

Whole Life

Whole Life policy insurers invest funds in long-term fixed-rate securities (bonds, for example) that typically provide the policyholder with modest returns. Additional returns may be achieved through dividend distributions (if applicable), but these returns are not guaranteed and depend on the insurance company's overall performance. With a whole life policy, you have no control over how the funds are invested and the premium payments don't vary in frequency or amount as they might with Universal Life.

Please contact a Financial Consultant or call 310-536-5042 or 877-254-9328, option 6, for more information.

Variable Life

Variable Life is a type of insurance that allows a policy owner to invest premiums in stocks, bonds, and money market funds chosen from the insurance company's portfolio. The cash value and death benefit of this policy is determined by the success of those investments.

Please contact a Financial Consultant or call 310-536-5042 or 877-254-9328, option 6, for more information.

Universal Life

Universal Life allows the insurer to invest the savings portion of your premium in a fixed-rate account that is subject to change at regular intervals. As a Universal Life policyholder, you have no control over how the funds are invested. However, these investments can yield fairly attractive returns when rates on fixed investments are rising.

Please contact a Financial Consultant or call 310-536-5042 or 877-254-9328, option 6, for more information.

Variable Universal Life

Variable Universal Life is a flexible, permanent life insurance policy under which the policy owner may change the death benefit from time to time and also vary the amount or timing of premium payments. Also, the policy owner is allowed to invest premiums in a number of investment accounts.

Please contact a Financial Consultant or call 310-536-5042 or 877-254-9328, option 6, for more information.

Securities and annuities transactions are offered through XCU Capital Corporation, Inc., member NASD, SIPC. Insurance is offered through Focus Insurance Agency, Inc., a wholly owned subsidiary of XCU Corporation, Inc., license number in California is #0727864.
Investment and insurance products are not credit union deposits, are not insured by the NCUA or any federal government agency, are not obligations of or guaranteed by Western, or XCU Capital Corporation, Inc., or Focus Insurance Agency, Inc., and subject to investment risks, including possible loss of principal amount invested.