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Variable Life Insurance and Variable/ Index Annuities Products Services:
  • We are well positioned as your ‘registered investment advisor’ and ‘life insurance agent’ licensed offering you the variable life and annuity products on which you can take benefit of the current uprising stock market.
  • What Is Variable Life Insurance?
    • Variable life insurance is a permanent life insurance policy with an investment component. The policy has a cash-value account with money that is invested in a stock market. The payout amounts are determined by the performance of the underlying securities.
    • Investors who can assume additional risk may prefer variable life policies for their tax advantages.
    • A variable life insurance can be ‘Variable Life’ or ‘Variable Universal Life’.
  • What Is a Variable Annuity?
    • An annuity is a financial product offered by an insurance company and available through financial institutions. The investor pays a lump sum or makes a series of payments into an annuity to fund a guaranteed series of payments that begin at a future date. Annuities are most commonly used to create a regular stream of retirement income.
    • The value of variable annuities is based on the performance of an underlying portfolio of sub-accounts selected by the annuity owner. Sub-accounts are similar to mutual funds.
    • Variable annuities offer the possibility of higher returns but also the risk that the account will fall in value.
  • What Is an Index Annuity?
    • Indexed annuities offer their owners, or annuitants, the opportunity to earn higher yields than fixed annuities when the financial markets perform well while offering some protection against market declines.
    • The rate on an indexed annuity is calculated based on the year-over-year gain in the index or its average monthly gain over a 12-month period.
    • There are no losses when the market is not performing well, only gains when it is. However, these gains may be limited via provisions in the contract, such as participation rates and rate caps.
  • For further information, please refer to our Disclosure Brochure, Form ADV Part 2A on the SEC’s website at www.advisorsinfo.sec.gov or contact us at www.globaladvisors.llc

Please contact our principal registered investment advisor Ravdeep Bhasin who holds multiple FINRA & other financial certifications. He also holds a CA life insurance license (#4148520). His direct phone number is 408-613-3876 or ravdeep@globaladvisors.llc