Universal Life Insurance

Universal life insurance plan combines permanent life insurance protection with a flexible portfolio of investment options, customized to your financial needs and aligned with your risk tolerance.

In today's world of complex tax laws, you want maximum protection for your estate – A universal life insurance plan can provide it. However, universal life insurance offers many options, so what you need just contact our professional insurance representatives for help in selecting the coverage and investments that are most suitable for you.

Each payment you make is divided into an insurance premium, a small administration charge, and a deposit into the investment accounts of your choice, where your money grows tax-deferred.

Universal life insurance coverage is exceptionally flexible. You can choose the amount of life insurance you need now and change it later as your needs change. You can select a joint policy covering two people that pay out after both people have passed away – or you can choose a joint policy covering up to five people that pays out when the first person passes away.

Universal life insurance also gives you access to cash. When your investment plan has accumulated sufficient cash value, you can withdraw cash from it, or borrow money using the policy as collateral.