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' Prescribed information ' means under proposed subsection 24 ( 3 ) , information which may include a description of benefits that would be available under a particular life policy or group policy , the circumstances under which those benefits would be available , the level of premiums payable , or the obligations which a person might be subject to if the person were issued with a particular life policy or became a beneficiary under a group policy . The Office provides information to employees regarding the laws and regulations which govern work / life policies as well as avenues of redress available for complaints . In addition , the Office identifies administrative or regulatory obstacles to implementing work / life policies and practices ; and proposed regulatory or legislative changes where needed . The actions taken by the IA to deal with the problem of cutthroat competition in the employees ' compensation insurance market and measures to tackle the sale of " underground " life policies to Mainland residents are two good examples of cooperation between the regulator and the industry to safeguard the order and stability of the market . Many of our friends and regular donors who would like to make a significant future gift to the National Trust at a relatively low cost can do so through a new life insurance policy . Universal life policies are also highly flexible in regard to premiums and face value . Michael Smith , a certified financial planner at ProFocus Inc. ( www.profocus.com ) in Phoenix , says universal life policies are best for " older persons or wealthy persons who have loads of discretionary income and have maxed out their 401 ( k ) and other tax-deferred savings vehicles . Universal life policies typically offer a guaranteed return on cash value , usually at least 4 % . This Initiative includes a 2002/2003 one-year pilot to : 1 ) Assess work / life needs for faculty and staff at the University of Minnesota to determine future programming and service needs and 2 ) improve access for faculty and staff to existing work / life policies , programs , and services . Demographic trends and public policy discourse are rapidly making management of work / life policies a critical issue for organisations and the economy . Universal life policies are best used to park large sums of money for 10 to 20 years until after retirement when you're likely to move into a lower tax bracket - - but you must be certain you can pay the hefty premiums over that extended period of time . Your various benefits will continue for 3 weeks ( just try setting up a new life insurance policy in that amount of time ) and other compensation will be paid . This is true for Whole Life and Universal Life policies . In addition to recognizing selected companies as " Workplace Excellence " Seal of Approval recipients , the Alliance also provides companies with the professional consultation and tools to establish and manage work / life policies and programs . A relatively easy and direct form of planned giving is a new life insurance policy .