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Universal Life Coverage

Universal  life insurance policies provide the flexibility to build your policy's  cash value or focus more on guaranteed protection.

Choose from two policy designs:


  • Guaranteed Protection lets  you choose the length of the protection guarantee and the premium  payment schedule up front-both are then guaranteed not to change so long  as the premiums are paid as planned.
  • Cash Accumulation allows  you to change, within limits, your premium payments and death benefit.  It also allows you to set aside additional money in a tax-deferred way  to help you meet long-term financial goals.  


SURVIVORSHIP LIFE INSURANCE

Sometimes  called second-to-die insurance, survivorship life insurance covers two  people and provides a benefit only after the second person has passed  away. Whether your goal is to leave an inheritance, protect your  business or provide a lasting benefit to a charity, survivorship life  insurance can be an important part of your estate plan. 

Survivorship life insurance policies allow you to:


  •  Equalize your estate among beneficiaries where assets are hard to divide
  • Provide funding beyond your lifetime for care of a child or other dependent with special needs
  •  Ensure that funds are available for fees, taxes, and estate expenses.  


Survivorship life insurance policies may be less expensive than covering two people with two individual policies. 

Learn More

Contact us for more information.