Universal life insurance provides the permanent protection of whole life with the added flexibility to adjust premiums and death benefits as your circumstances change.

Why Choose Universal Life Insurance?

Universal life insurance is ideal for those who want permanent life insurance with maximum flexibility. You can increase or decrease your premiums (within limits), adjust your death benefit, and choose from various investment options for your cash value growth.

The cash value component grows based on current interest rates or investment performance, potentially offering higher returns than traditional whole life insurance. This makes it an attractive option for those comfortable with some investment risk.

Flexibility Features

With universal life insurance, you can skip premium payments using accumulated cash value, increase coverage for major life events, or reduce premiums during tight financial periods. This flexibility makes it easier to maintain your policy throughout changing life circumstances.