Universal Life Insurance

Universal life coverage may be right if you:

• Need coverage to protect your loved ones from the financial consequences of your death

• Value the opportunity to accumulate cash value that you can later access to pay for expenses such as college funding or emergencies

• Want the flexibility to adjust your payments and death benefit amount*

• Have maxed out your IRA or 401(k) and need additional options to save for retirement

What is included in a universal life insurance policy?

Permanent Coverage

As long as premiums are paid on time, you have coverage for the rest of your lifetime.

Tax Advantages

Income tax-free death benefit, potential for tax-deferred** cash value accumulation & income tax-free policy loans/ withdrawals.

Accelerated Death Benefits

Early access to a portion of your death benefit in the event of a terminal or chronic illness.

Flexible Premiums and Benefits

Unique option to change the premium payment amount, payment frequency and death benefit amount.