Universal Life Insurance

Universal life insurance

Lifetime protection and flexibility attracts many clients to universal life coverage. Our solutions offer all this, plus predictable features and extras to protect the specific goals they have in life.

Why offer universal life insurance?

Your clients who want permanent protection with flexible options will enjoy these benefits:

Coverage that lasts a lifetime

Lifetime death benefit coverage can protect clients’ loved ones for the long term.

Predictable premiums and features

Clients know what to expect from their policy’s premiums, benefits and coverage lengths.

Cash value potential

Some policies offer cash value that grows tax deferred, which clients can access for future expenses.

Extras for additional flexibility

Optional and built-in features give clients more choices to protect their goals now and down the road.

A financial professional presenting the benefits of indexed universal life insurance to a husband and wife.

Consider universal life insurance for a client with:

Long-term protection needs
Death benefit coverage needs
Flexible premium needs
A desire to access extras like chronic illness coverage or cash value growth potential

Explore our universal life solutions

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Deliver simple, long-term protection with predictable growth potential and the ability to flex when life does.

Tax-deferred growth can be accessed for future needs
Policy premium payments and death benefits can be tailored
No-lapse protection and added chronic illness protection with the optional ExtendCare^SM rider
Simple, transparent design

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Discuss the benefits of simple, lifetime coverage with flexible payments.