Universal Life Insurance
Flexible permanent coverage with adjustable premiums and death benefits — giving you more control over how your policy works.
Universal life insurance is a type of permanent coverage that offers more flexibility than whole life. You can adjust your premiums and death benefit over time as your financial situation changes. The cash value earns interest based on current market rates (or a guaranteed minimum), and you can use it to help pay premiums during tight financial periods.
The flexibility is universal life's biggest advantage and its biggest risk. If you underfund the policy — paying the minimum premium or skipping payments by using cash value — the policy can lapse if the cash value runs out. Properly managed, it's a powerful tool. Under-managed, it can leave you without coverage when you need it most.
Indexed universal life (IUL) ties your cash value growth to a stock market index like the S&P 500, with a floor that protects against losses and a cap on gains. This offers higher growth potential than traditional universal life while still providing downside protection. We help you understand the trade-offs and choose the right structure.
Key Features
- Adjustable premiums — increase, decrease, or skip payments within limits
- Flexible death benefit that can be increased or decreased
- Cash value earns interest based on current rates or market index performance
- Guaranteed minimum interest rate protects against zero growth
- Policy loans and withdrawals available from cash value
Who Needs This?
- Individuals who want permanent coverage with more flexibility than whole life
- People with variable income who need premium payment flexibility
- Those interested in market-linked growth potential with downside protection (IUL)
- Business owners who want to fund key person or buy-sell agreements
Ready to Get Universal Life Insurance Coverage?
Call 303-994-7814 or start your quote online.
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