Universal Life Insurance

Get the most long-term protection for your dollar.

People who choose Universal Life Insurance are typically looking to maximize their long-term coverage and are less concerned with building cash value. They need a cost-effective way to give their families the long-term financial security they deserve. 

What makes Universal Life different from other long-term insurance policies?

Here are some factors to consider when comparing life insurance policies: 

Guarantee vs. adjustable

For some people, a guaranteed death benefit is the most important aspect of their policy. It means peace of mind for them—and their loved ones. For others, having the ability to adjust their policy, including premiums, is more important, even if it means the death benefit could fluctuate.

Your level of oversight

With some kinds of life insurance, you can purchase it, put it away, and simply pay your premiums as they come due. With Universal Life, you can make changes to your policy as desired, including adjusting your premiums and coverage. All that flexibility can be very helpful if your circumstances change, however it may require you to regularly review your policy to help avoid any risks.

Our level of oversight

There are factors that you can control and factors that you cannot control that impact the performance of your policy. Our auto-adjusted billing service actively monitors your policy and annually informs you if any changes are needed. This optional service is available at no additional cost to you and is a great way to make sure the objectives of your policy remain on track.

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