Universal Life Insurance

Universal Life Insurance Policies

Your life changes, so you need options that can help you keep up. Universal life insurance provides permanent protection with the flexibility to match your needs. With universal life, you can choose a policy that allows for varying premiums as long as there is enough value in your account. You may also select a guaranteed death benefit option. That way, you can give your loved ones the financial security they deserve — with a policy that works for you.

Death Benefit

Your life changes, so you need options that can help you keep up. Universal life insurance provides permanent protection with the flexibility to match your needs. With universal life, you can choose a policy that allows for varying premiums as long as there is enough value in your account. You may also select a guaranteed death benefit option. That way, you can give your loved ones the financial security they deserve — with a policy that works for you.

Flexible Premiums

If your financial circumstances change month-to-month, a universal life policy can provide the flexibility you need. You can decide how much premium to pay within certain limits, as long as there is enough account value to pay for the monthly insurance and administrative charges. This means you have the option to pay extra sometimes, and less when you might need to.

Build Account Value

Depending on the premium you choose to pay, a universal life policy may accumulate account value. You can borrow from your policy to supplement your retirement income, provide funds for a child’s college education, or use it for any other purpose you choose.

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