A Plan for Building Long-Term Wealth

Universal Life Insurance Flexible coverage that allows you to select your investment options and customize your payment schedule.

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What is Universal Life Insurance?

Universal life insurance provides guaranteed, lifelong protection while giving you the flexibility to select investment options that help grow your wealth over time. It’s one of the more adaptable and cost-effective permanent insurance solutions available, offering coverage that lasts your entire life.

A universal life policy has two key components: an insurance portion and an investment portion. You have the ability to choose how your investment funds are allocated, and growth within the policy can accumulate on a tax-advantaged basis, subject to government limits. Depending on your needs, you may be able to withdraw or borrow from the policy, which could have tax implications. You also maintain control over who ultimately receives the policy proceeds.

How Does it Work?

You make premium payments to maintain your insurance coverage. Once the cost of insurance is covered, any remaining amount is directed toward the policy’s investment component.

Those funds are allocated to investment accounts that you select. Over time, the value can grow based on the performance of your chosen investments.

You may access the funds within your policy, provided there is sufficient value remaining to support the ongoing insurance costs.

You also decide who will receive the proceeds from your insurance coverage when you pass away.

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