Universal Life Insurance

With much less expensive premium payments than permanent insurance products, term is a good starting point for your investment portfolio. We represent companies where term life insurance can be offered on an individual or group basis.

Pro’s

UL has the lowest priced permanent death benefit, with the opportunity to build cash.

Con’s

The cash value is not guaranteed. The premium payments are higher compared to Term Life.

Length of Coverage

Permanent or temporary options are available.

Premium

There are flexible or guaranteed premium plans available.

Cash Value

Cash value is dependent on the interest rates, amount of premium paid and the certificate charges.