UNIVERSAL LIFE INSURANCE

The main purpose of universal life insurance is to:

• Provide lifetime protection for your loved ones.
   
• Offer flexibility in how you pay your premiums and how much death benefit you maintain.
   
• Build cash value as a living benefit that can be used for future needs such as:
   
  • Supplementing retirement income,
     
  • Paying policy premiums,
     
  • Funding emergencies, or
     
  • Covering educational expenses.

Here's why universal life insurance may work for you:

• Lifelong Coverage – As long as premiums are paid, coverage doesn’t expire.
   
• Flexible Premiums – You can increase, decrease, or skip payments if there’s enough cash value.
   
• Adjustable Death Benefit – You can modify the death benefit to fit changing family or business needs.
   
• Cash Value Growth – Earns interest based on a declared rate by the insurer.
   
• Tax-Deferred Growth – Cash value grows without being taxed until withdrawn.