Protect Your Family. Invest for Your Future.
Universal life insurance offers a powerful combination of lifelong protection and tax-advantaged investing, allowing you to safeguard your family’s future while growing your wealth.
Universal Life Insurance Quote Form
Benefits of Universal Life Insurance
Universal life insurance is a flexible solution that provides:
- Lifetime Coverage: Permanent coverage that lasts for your entire life.
- Tax-Advantaged Investing: A portion of your premium goes towards your insurance, while the remainder grows tax-free within your policy.
- Access to Funds: You can access the policy’s funds for retirement income or during times of illness.
- Estate Planning: Protect your assets and ensure a smooth transfer to your beneficiaries.
Plan Details
Universal Life Insurance offers customizable coverage that adapts to your current and future needs.
Highlights:
- Lifetime Coverage: Your coverage never expires or changes.
- Tax-Free Benefit: The death benefit is received tax-free by your beneficiaries.
- Death Benefit Options: Choose between level or increasing protection, based on your needs.
- Flexibility: You decide how much to contribute and how to pay premiums.
- Investment Range: Build a personalized investment portfolio through various interest options.
Why Choose Universal Life Insurance?
Universal life insurance is ideal for individuals aged 0 to 85 who want permanent coverage, are financially secure, and want to grow their wealth for the future. It’s also a perfect choice if you’re nearing retirement and looking to preserve your estate.
Coverage Options
- Death Benefit: Your beneficiaries receive a tax-free payout upon your death. You can select between:
- Level Protection: Pays out either your coverage amount or the accumulated value in your policy.
- Increasing Protection: Pays your coverage amount plus your accumulation value.
- Disability Benefit: Provides financial support if you become disabled.
- Compassionate Advance: In the event of terminal illness, you can access up to 50% of your death benefit, up to $250,000.
- Optional Coverage: Add-ons such as additional term insurance, children’s term rider, and accidental death benefit rider provide extra flexibility to meet your needs.
Flexible Premium Payments
If you lead a healthy lifestyle, you may qualify for preferred rates. Choose from various premium payment options, allowing you to align your policy with your financial goals.
Investment Options
With universal life insurance, you can choose from a range of investment options that fit your needs:
- Daily Interest Option
- Guaranteed Interest Options
- Variable Interest Options
A licensed advisor will guide you through selecting the best options and reviewing your policy to ensure it continues to meet your needs.
Get the Lifetime Protection and Investment Flexibility You Need.
