Universal Life Insurance


Universal Life offers flexibility of premiums within the policy's structure.


  • Generally offers higher interest rates than those available in whole life policies.
  • Guaranteed minimum interest rates applied to the cash value, providing a certain return within the product.
  • Flexibility of premiums allow greater control.


There are many variations of Universal Life. Universal Life may have a fixed, variable, or equity indexed investment account within the policy. Some equity-indexed accounts may even have added benefits such as income for long term care.