Universal Life Insurance

Lifelong Coverage
Your policy can stay active for your entire life, giving long-term peace of mind, as long as it’s properly funded.

Flexible Payments
You can adjust how much you pay into your policy. Pay more to build your cash value faster, or lower your payments during tight financial times.

Cash Value Growth
Part of what you pay goes into a cash value account that earns interest—often linked to market performance. Most policies offer a guaranteed minimum so your value never drops below zero due to market downturns.

Adjustable Coverage
If your financial needs change, you may be able to increase or decrease your death benefit amount (with underwriting approval).

Traditional Universal Life
This option earns interest at a declared rate from the insurer. It’s a steady, flexible policy that provides long-term security without market exposure.

Indexed Universal Life (IUL)
IUL policies allow your cash value to grow based on a market index like the S&P 500. These policies offer growth potential with built-in protection—if the market drops, your cash value won’t.

Variable Universal Life (VUL)
If you’re comfortable with investing, VUL lets you grow your cash value by choosing from sub-accounts similar to mutual funds. It offers high growth potential, but also comes with market risk.

Guaranteed Universal Life (GUL)
GUL is all about predictable, affordable coverage. It offers a guaranteed death benefit with level premiums and minimal cash value. Often referred to as "term-for-life," it’s ideal for those who want permanent protection without investment risk.

Survivorship Universal Life (Second-to-Die)
This policy covers two individuals—typically a married couple—and pays out after both have passed away. It’s a smart choice for estate planning and leaving a legacy for future generations.