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Unlike whole life insurance policies, a universal life insurance policy has flexible premiums. The whole life insurance policy has fixed premiums over the life of the policy.

Universal life insurance is a type of permanent life insurance. Like most permanent life policies, universal life combines a savings component with lifelong protection. As long as you pay the required premium, the policy remains in force until you die.

Universal life insurance (often shortened to UL) is a type of cash value life insurance, sold primarily in the United States. Under the terms of the policy, the excess of premium payments above the current cost of insurance is credited to the cash value of the policy, which is credited each month with interest .

Permanent Protection with Universal Life Insurance. Universal life insurance provides permanent life insurance protection and access to tax-deferred cash values. We offer two types of universal life insurance, fixed and flexible. Fixed Premium Universal Life. Fixed premium universal life insurance offers protection, however policy provisions cannot be changed after the policy has been issued.

Whole life and universal life insurance are both considered permanent policies. That means they're designed to last your entire life and won't expire after a certain period of time as long as required premiums are paid.

Survivorship Universal Life Insurance covers two people. The death benefit is paid when the last person insured under the policy dies. Survivorship Universal Life is an efficient way to assist with a variety of planning needs. Features. Typically less expensive than two individual Whole Life or Universal Life Insurance policies.

Universal Life Insurance is a flexible life insurance policy combining benefits of permanent life protection and cash value accumulations with convenience of adjustable premiums and payment schedule.

Universal Life Insurance. Maybe you’re shopping for your first house together. Or you’re planning to have children — but not for a few years. Perhaps your next promotion will put you on the leadership team. Change is a constant in life — and often brings new needs and priorities.

Guaranteed universal life insurance is a universal life insurance policy that won’t lapse if the cash value is zero. Given this, it can essentially behave as a term life insurance policy with the term ending at whatever age the policy matures, whether that’s when you turn 90, 100 or 121.

Universal life insurance (UL) is a hybrid life insurance policy which combines elements of term life insurance with an investment savings option. Universal life combines the ability to build savings at the same time as providing you a life insurance policy.

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