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Universal Life

Life comes with many risks that are out of your control. The important thing is that you take action on what you can control. Universal Life Insurance can help provide protection from the unpredictable and help you build an above average future by providing a guaranteed Death Benefit and access to tax free cash value to supplement your retirement income.

It Provides…

  • Life-long insurance without paying for a lifetime.

  • Living Benefits helping you and your budget survive a qualifying illness or injury.

  • Tax-Free Income for life Guaranteed.


Key Product Features

  • Death benefit protection:  Helps ensure your financial plan is carried out for your loved ones. 

  • Cash Value Accumulation:  IULs are designed for strong long-term TAX FREE cash value accumulation potential that you have access to at anytime regardless of your age. 

  • Helps supplement retirement:  Enables you to access your policy’s cash value to supplement additional retirement income. 

  • Accelerated Death Benefits:  Access a portion of the death benefit if you happen to be diagnosed with a serious illness. Use the funds any way you choose, such as paying for medical bills or home health care costs. 

  • Several Index Options for Growth Potential:  Provides an opportunity for significant cash value  accumulation with daily index sweeps and annual index selections. No funds are required in the fixed account. 

Accelerated Death Benefits


  • Critical Illness: conditions that may qualify include heart attack, cancer, stroke, major organ transplant, and kidney failure. 

  • Chronic Illness: unable to perform at least two activities of daily living (bathing, continence, dressing, eating, toileting, and transferring) for at least 90 days.

  • Terminal Illness: diagnosed medical condition that results in a life expectancy of 24 months or less. 

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