The flexibility of adjustable premiums and death benefit — combined with permanent coverage and cash value accumulation. Built for life’s ever-changing demands.
Universal Life (UL) insurance combines permanent death benefit protection with the flexibility to adjust your premiums and coverage amount as your financial needs evolve. Unlike the rigidity of whole life, UL lets you pay more in good years to build cash value — or reduce premiums in lean times.
The cash value grows based on current interest rates set by the carrier, and you can access it through policy loans or withdrawals. It's a versatile tool that sits between term insurance and more sophisticated IUL or Whole Life products.
UL vs IUL: Both are flexible, but IUL links cash value growth to a market index (with floor protection), potentially earning higher returns. UL earns a fixed declared rate. Ask our advisors which is right for you.
Self-employed individuals or those with variable income who need flexibility in premium payments year to year.
Families going through major life changes — marriage, children, career shifts — who want coverage that adapts with them.
Fund executive compensation, deferred compensation plans, and corporate-owned life insurance (COLI) with adjustable structures.
Our licensed advisors will help you determine if UL — or a more growth-oriented IUL — is the right fit for your goals.
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