Universal Life Insurance

Universal life insurance is a type of permanent life insurance that offers both a death benefit and the flexibility to adjust premiums and coverage levels throughout the policyholder’s lifetime. It also accumulates cash value, which grows tax-deferred and can be used as a financial resource. Universal life policies give clients more control over their insurance and savings, making them an ideal solution for those with evolving financial needs.

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Universal Life Insurance Highlights

  • Flexibility to increase or decrease premiums within certain limits
  • Adjustable death benefit
  • Tax-deferred cash value that can be accessed through loans or withdrawals
  • Available with an indexed or variable option for cash value growth
  • Available with long-term care, disability income, or critical illness riders

Why Offer Universal Life Insurance?

Universal life insurance allows agents to meet the diverse and changing needs of their clients, offering both protection and financial growth potential. Its flexibility appeals to clients with fluctuating income or varying insurance needs, while its cash value component enhances financial planning strategies. By offering universal life insurance, agents can provide adaptable, long-term solutions that serve clients across different life stages and build lasting trust and partnerships.

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