Universal life insurance is a type of whole or permanent life insurance. Universal policies are more flexible and tailored to your needs than standard whole life insurance policies.

• Universal Life – a form of permanent life insurance that will give coverage for your whole life. This product comes with flexibility that you won’t find with a traditional whole life insurance policy.
• Universal Life and Variable Universal Life – different in that its variable is a form of cash value life insurance and offers both a death benefit and investment feature to those who are covered.
• Indexed Universal Life – a type of permanent life insurance plan that has a cash value accumulation based on market indexes.