Permanent coverage with flexible premiums and death benefit as your income or needs change over time, reviewed annually so it doesn't quietly underperform.
Get a quote for Universal LifeSomeone wanting permanent coverage with more flexibility than whole life offers, who is comfortable reviewing the policy periodically rather than treating it as fully set-and-forget.
A universal life policy quietly lapses because years of minimum payments never covered the actual cost of the coverage as the policyholder aged.
Read the full story →Because premiums are flexible, paying the minimum for too long can let the cost of insurance quietly outpace the policy's cash value, risking a lapse. Annual reviews catch this early.
It's a projection showing how the policy is actually performing based on current premiums. Reviewing it yearly is the single best way to avoid an unexpected lapse.
Often yes, within limits, which is the flexibility this policy type offers over whole life. Just know it can affect how long the cash value lasts.
