Get a quote for Universal Life Insurance

Universal life insurance is a combination of term protection with the cash savings value of whole life. Interest rates paid on the cash value are typically higher with universal life than whole life because they tend to follow the markets. This type of contract is designed with flexibility in mind. Premiums can be paid in a lump sum, annually or anywhere in between. Interest on the cash value is usually guaranteed, but will vary according to the investment performance. Each month deductions are made from the cash value fund to support the costs of the insurance protection. As long as the cash value is substantial enough to maintain the monthly costs, the policy will remain in force, cash value is accessible through loans and withdrawals that will reduce cash value by the amount borrowed plus interest. Withdrawal and/surrender charges may also apply.

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