Universal Life Insurance
Flexible Premiums + Market-Linked Upside
What it is
Universal life (UL) is permanent coverage with adjustable premiums and a cash-value account that earns interest. Choose between indexed UL (tied to S&P 500 with 0% floor) or variable UL (invest in sub-accounts like ETFs).
Key features & benefits
Skip or reduce premiums when crypto moons; catch up later.
Never lose principal due to market drops.
Typically 9–12% cap with 100% participation on index gains.
Borrow at low net rates (often 0–1% after crediting).
Switch between level and increasing coverage as your net worth grows.
Crypto-specific uses
Lock in 8–10% crediting during bull runs while keeping downside protection.
Use BTC or XRP as collateral with private lenders to fund large-face-amount policies.
Pair with an ILIT to remove policy from estate, shielding generational crypto wealth.
