Most Flexible
Universal Life
Insurance
Flexible permanent coverage that adapts as you grow. Adjust your premiums and death benefit as your life changes — without losing your coverage.
What Is Universal Life Insurance?
Universal life (UL) is permanent life insurance with built-in flexibility. Unlike whole life, you can adjust your premium payments and death benefit over time. Cash value grows based on current interest rates, and you can access it through tax-free loans. It's the right choice for people whose financial needs will evolve over the years.
What You Get with Universal Life
Adjustable Premiums
Increase or decrease your premium payments as your income changes — within policy limits — giving you flexibility no term policy offers.
Adjustable Death Benefit
Raise or lower your coverage amount as your needs evolve — growing family, paid-off mortgage, or retirement planning.
Cash Value Earns Interest
Your cash value grows based on current interest rates, often higher than whole life guarantees, with a minimum floor for safety.
Lifelong Coverage
As long as sufficient cash value or premiums maintain the policy, coverage lasts your entire lifetime.
Tax-Advantaged Growth
Cash value grows tax-deferred. Policy loans are generally tax-free, making UL a powerful supplemental retirement tool.
Transparent Cost Structure
Universal life policies show exactly how your premium is allocated — cost of insurance, expenses, and cash value — so you always know where your money goes.
Universal Life Is a Great Fit If You…
- Professionals with variable income
- Business owners needing flexible coverage
- Those planning for retirement income supplementation
- Anyone who wants permanent coverage with adaptability
- Families whose coverage needs will change over time
Frequently Asked Questions
Coverage That Grows With You
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