Universal Life Insurance

Control how you save, spend and protect your assets

Universal life insurance provides important insurance protection while offering the opportunity to build cash value. Because it's flexible, you can adjust benefits as your needs change. Some changes may require underwriting approval. Key benefits include:

  • An income tax-free death benefit to your heirs
  • Tax-deferred growth of your assets
  • Optional no lapse guarantees (All guarantees are based on the continued claims-paying ability of the issuing company.)
  • Guaranteed minimum fixed interest rate
  • Flexible death benefit and premium amounts
  • A source of income tax-free access to your cash value (when properly structured) for:
    • Emergencies
    • College education
    • Retirement income
    • Other needs

Benefits of indexed universal life include:

  • Index-linked interest crediting for greater growth potential
  • Downside protection from negative market returns

Learn more about our universal life insurance offerings: