Universal life insurance is permanent coverage with flexible premiums and an adjustable death benefit, within the limits set by the policy. Cash value growth is tied to a credited rate set by the carrier and may not be guaranteed.

Note: Not all products are available in all states. Please contact us to confirm availability in your area.

When this fits

• Buyers who want permanent coverage with flexibility in premium payments
• Households with variable income who need adjustable contributions
• Estate planning where coverage needs may change over time
• Pairing protection with the policy's contractual cash value features

What it accomplishes

• Lifelong coverage with adjustable terms
• Flexible premium scheduling within policy limits
• Tax-deferred cash value growth per the policy contract