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UNIVERSAL LIFE

Universal Life insurance is designed to offer customizable death benefit protection with non-guaranteed planned premiums and a non-guaranteed death benefit. Depending on the product selected and the amount of premium you pay, Universal Life insurance can allow you to keep your coverage as long as you need: to age 80, 90, 100 or longer. Because of the policy’s flexible and non-guaranteed nature, it is important to fund your policy properly and actively manage your policy to reflect changes in interest crediting rates and policy charges over the duration of your policy. This policy will terminate if at any time the cash surrender value is insufficient to pay the monthly deductions. This can happen due to insufficient premium payments, if loans or withdrawals are made, or if current interest rates or charges fluctuate.

For more information about NYLIFE Securities LLC and its investment professionals.

Click here
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  • ABOUT US
    • Meet Our Team
    • Strategic Alliances
    • Our Holistic Process
  • OUR EXPERTISE
    • Personal Solutions
    • Business Solutions
    • Investment Solutions
    • Insurance and Annuities
  • CLIENT EDUCATION
    • Are you on pace to hit your goals?
    • Financial Planning Pyramid
    • Calculators
    • Investment Newsletter
  • GET IN TOUCH
    • Location and Contact
  • CLIENT LOGIN
    • Financial Dashboard
    • New York Life
    • Eagle Strategies/NYLIFE Securities
    • Envestnet
    • Mainstay Funds
    • American Funds
    • Scholar's Edge
Disclosure

Megan Ward is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in select jurisdictions. Insurance products and services may be offered only in jurisdictions where the agent is properly licensed. State license numbers shown where specifically required. Additional jurisdictions available upon request.
Megan Ward (CA Insurance License #0G75036).

As a New York Life Agent, Megan Ward is licensed and authorized to offer insurance in California, but MW FINANCIAL & INSURANCE SOLUTIONS may not be. For additional information on California licensure status, please click here.

Megan Ward is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 3518 Stockton Pl, Carlsbad, CA 92010, 858-623-8722. Securities products and services are offered only in jurisdictions where the registered representative is properly registered.

Megan Ward is also a Financial Adviser with Eagle Strategies LLC, a Registered Investment Adviser, and a wholly-owned subsidiary of New York Life Insurance Company. Advisory services are offered only in jurisdictions where the financial adviser and Eagle Strategies LLC are properly registered.

MW Financial & Insurance Solutions is not owned or operated by NYLIFE Securities LLC or its affiliates.

Neither MW Financial & Insurance Solutions nor its associates are in the business of offering tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions.

This website is intended for informational purposes only. Insurance, securities, and advisory products and services are available only in jurisdictions where the applicable representative and entity are properly licensed and registered. No offers may be made or accepted outside those jurisdictions.

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