Universal Life Insurance

Flexible Permanent Coverage

Universal Life (UL) is a permanent life insurance policy that provides lifetime coverage with adjustable premium flexibility within policy guidelines.

How It Works:

Universal Life allows you to adjust premiums (within limits) and potentially adjust the death benefit over time. Cash value grows based on a declared interest rate set by the carrier.

Ideal For:

Individuals seeking permanent coverage
Those wanting flexible premium structures
Long-term protection planning

Key Features:

Lifetime coverage
Adjustable premium structure
Interest-based cash value growth
Potential for policy customization

Universal life insurance policies include policy charges and cost of insurance expenses. Insufficient funding may result in lapse. Interest rates are declared by the carrier and may change over time. Guarantees are based on the financial strength and claims-paying ability of the issuing insurer.

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