UNIVERSAL LIFE INSURANCE

Coverage that saves you and your money.

WHAT IS UNIVERSAL LIFE INSURANCE

Also referred to as a “UL” policy, a Universal Life Insurance plan is a flexible form of permanent life insurance. It allows you to protect your loved ones and build tax-deferred cash value by paying additional money to a life insurance premium to “overfund the policy.” That additional money builds cash value, along with interest, that may be borrowed from or used to subsidize your life insurance policy cost in the future. You may also temporarily decrease your payments or occasionally skip a payment, as long as you repay any money taken from your cash value.

TYPES OF UNIVERSAL LIFE INSURANCE

Survivorship Universal Life Insurance - The death benefit is paid when the last person insured under the policy dies.

Joint Universal Life Insurance - The death benefit is paid when the first of the insured dies.

WHAT CAN IT BE USED FOR?

Builds cash value
Guarantees coverage for life
Locks in affordable premium
Lost income for mortgage costs and educational needs
Access to cash value for life's opportunities
Estate, special needs, and business planning

POLICIES TYPICALLY OFFER:

Flexible premiums
Death benefit
Tax-deferred investment opportunity

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