Life changes.
Make room
to adapt.
Universal life offers long-term protection and flexible payments within policy limits. Cash value helps support coverage, while ongoing charges and funding need regular review.
Keep protection in place.
Protection for the long run.
Flexibility along the way.
Universal life combines a death benefit with a cash-value account. It can last for life when funding and policy conditions are met.
You may adjust payments and coverage within the contract’s limits. Increasing the benefit can require new underwriting.
Choose your protection
Set a benefit and name the people who would receive it.
Build a funding plan
Understand the payments, deductions, and guarantees.
Review as life changes
Check statements and request updated illustrations.
Flexible payments.
Ongoing costs.
Cash value can help absorb a payment change. It is also where policy deductions come from. Explore how the direction can shift.
Flexibility works best with a plan—and regular check-ins.
Premiums and credited interest help support the balance as charges are deducted. Review actual values against your plan each year.
Keep the flexibility.
Understand the tradeoffs.
UL may fit a lasting coverage need when you can support the funding and review it over time. It is usually more expensive than term insurance for the same initial benefit.
Could you afford more later if assumptions change?
What is guaranteed, for how long, and under which conditions?
What would loans, withdrawals, or surrender cost?
Who will help you check the policy each year?
Know what can change.
And what cannot.
