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Brighthouse Financial, its agents, and representatives may not give legal, tax or accounting advice and this document should not be construed as such. Clients should confer with their qualified legal, tax and accounting advisors as appropriate.

Like most insurance policies, Brighthouse Financial policies contain certain exclusions, waiting periods, reductions, limitations and terms for keeping them in force. All policies and riders may not be available in all states. Ask your representative for complete details

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As part of the ongoing transition, certain Brighthouse Financial features are serviced by MetLife.

Premier Accumulator Universal Life

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For many people, the dollars they save are the dollars they value most of all. That's why Premier Accumulator Universal Life (PAUL) provides protection for your clients’ families while generating returns at the same time.

On the protection side, it generally includes a tax-free death benefit to your clients’ loved ones and has an optional feature that gives them the ability to access their policy values to help pay for costs should the insured suffer from a chronic or terminal illness, just in case.

On the growth side, PAUL generates returns and has no surrender charges — in case your clients need their money to work for them elsewhere.

This is the best of both worlds – protection and growth in one product.

Benefits

Prepare for your clients’ financial futures with growth potential, access, and coverage.

Growth

Get Your Clients’ Money Working Harder    
In today’s low rate environment, PAUL offers growth potential through interest credits that are not directly tied to market fluctuations.  

Concerned About Taxes?
Since a PAUL policy is considered tax-favored, your clients don’t pay taxes on their money while it accumulates. In most cases, they can pass the death benefit down to their beneficiaries tax-free.    

Availability

Greater Access to Your Money, If Needed
In many cases PAUL allows your clients to access to almost 100% - and in some cases over 100% - of their money at the end of the first policy year based on current non-guaranteed rates. 

Satisfy Needs While Your Clients Are Alive
PAUL lets your clients use the money in their policies for the things both planned and unplanned, such as a child’s college education, supplemental retirement income, or emergency situations.

Coverage

Protection That Lasts a Lifetime
As long as premiums are paid, PAUL will stay with your clients no matter how long they live. And when they’re no longer around, it provides money that can be passed on to their loved ones, or donated to their favorite charities.

Comfort in Knowing They’re Secure
PAUL can help your clients’ families continue their lifestyle if they’re no longer around. The life insurance coverage can help replace lost income, pay off a mortgage, or provide for a child’s college education.

Does Premier Accumulator Universal Life sound like a solution that fits your clients’ needs?

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