Flexible lifelong coverage with adjustable premiums. Universal Life is a type of permanent life insurance that provides lifelong coverage — but with added flexibility. Unlike whole life, UL lets you adjust your premium payments and death benefit as your needs and budget change.
It also includes a cash value component that earns interest over time, which you can access for emergencies, supplemental income, or future expenses.
✅ Flexible Premiums – You can increase, decrease, or skip payments (within limits) if your policy has enough cash value.
✅ Adjustable Coverage – You can raise or lower your death benefit as life changes (subject to underwriting).
✅ Lifelong Protection – As long as minimum premiums are met, coverage can last your entire life.
✅ Tax-Deferred Cash Value Growth – Earns interest based on current market rates, credited by the insurer.
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