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Flexible Protection
Universal Life Insurance Accommodates
Your Needs
Offering flexible premiums and adjustable benefits, universal life insurance is adaptable to your changing needs. Call today to find out if universal life insurance is right for you.
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Tax-deferred Earning
With a universal life insurance policy, a portion of your premiums is invested in bonds, mortgages and money market funds. The return on the investments is credited to your policy as tax-deferred funds. Learn more today.
Complete Flexibility
In addition to flexible premiums, universal life insurance policies offer flexibility in death benefits and access to cash value. Also, universal policy owners can choose how much and when to pay premiums.
Ensured Protection
Sometimes called variable life insurance is an ideal way to provide for your family if you die. Variable and universal life insurance policies build tax-deferred cash value. Learn more by calling our in-house agents now.
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What Is Universal Life Insurance?
Universal life insurance is a type of permanent life insurance. Unlike a term life insurance policy, a universal insurance policy will cover you for the entirety of your life. Universal insurance is a great way to ensure that your debts are covered and your family is cared for financially after your passing. Universal life insurance is a way to protect your family and keep them financially stable even after you are gone.
What Makes Universal Insurance Different?
The main difference between universal insurance and other types of permanent life insurance is that with a universal life insurance policy, you can enjoy flexibility in your premium payments. With a universal insurance policy, you can simply pay your minimum premium payment or you can opt to pay more. The additional money you put into your universal insurance policy gets added to your cash benefits upon your death. In other words, the more you put in during your life, the more your dependents will receive upon your passing. Also, the additional money that you opt to put into your universal life insurance policy will earn interest over the remainder of your life.
Variable Universal Life Insurance
One type of universal insurance is known as variable life insurance. Variable life insurance functions much in the same way that universal life insurance does. The main difference with variable life insurance is that you have more options regarding how the extra funds you put towards your life insurance policy will be invested. For example, you could choose to put the additional money you invest in your life insurance policy towards a risky stock that will either plummet or skyrocket, or you could invest in a secure bond that is sure to pay low dividends over the years. In other words, with a variable life insurance plan you have the opportunity to see a higher return on your cash investment than you do with a typical universal life insurance plan. However, you also risk decreasing your life insurance benefit if your investments don't go well.
Still Have Questions? Call Today.
To learn more about universal life insurance and variable life insurance options, call today to find the right plan for your situation and budget. Our friendly representatives can provide you with free life insurance quotes and help you find the best plan for your needs.
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