You benefit from features like:

• Adjustable premiums – Tailor payments to fit your budget.
• Flexible death benefit – Increase or decrease coverage as needed.
• Cash value growth – Earn interest on your policy’s savings component.
• Loan options – Use your accumulated cash value when emergencies arise.
• Tax-deferred value accumulation – Let your cash value grow without immediate tax impact.

You select your initial premium and policy framework.
A portion funds your death benefit; the rest builds cash value earning interest.
You can modify your premium or death benefit over time to reflect life changes.
If cash value is enough, you can cover premiums without added payments.

Is It Right for You?

• You want lifetime protection (not just term-based).
• You prefer premium flexibility – pay more now, less later.
• You’d like to grow savings alongside coverage.
• You want an insurance product that evolves with your life stages.

• Personalized support every step of the way
• Competitive quotes from vetted life insurers
• Transparent comparisons so you can easily find your best-fit plan
• Easy online tool + expert help, no pressure or hidden fees

What’s the difference between universal life and term life?
Term life offers temporary, lower-cost coverage. Universal life gives permanent protection with interest-earning value and flexible premiums.

Can I borrow from my universal life policy?
Yes, you can borrow against your cash value. Just know interest applies and could affect your coverage if unpaid.

What affects my premium and cash value?
Your age, health, chosen premium, interest rates, and any policy loans impact how your cash value grows and what premiums you pay.