top of page

UNIVERSAL LIFE INSURANCE

Outside Dinner
Couple with Daughter

UNIVERSAL LIFE INSURANCE

Universal life Insurance
Provides Guaranteed Death Benefit Protection up to age 120 at a low-cost premium to guarantee the death benefits. A universal life policy allows the policyholder to adjust the death benefit as well as the premiums.
The money in your cash-value account will earn interest at the market rate based on the insurer’s general account investments.
Important to keep an eye on your Investment Portfolio. 
Benefit Highlights
​
  • Low-cost premiums to guarantee the death benefit
  • Income-tax-free funds For your Beneficiaries.
  • Accelerated Death Benefit Endorsements for Critical, Chronic, and Terminal Illnesses, subject to eligibility requirements
  • At the same time enabling you to safely put some money aside for your retirement years.
Convertibility
​

Ability to exchange up to the policy’s Specified Amount to an indexed universal life policy available at the time of exchange without evidence of insurability or surrender charge

• A Five-Year No-Lapse Guarantee for all issue ages 

bottom of page