Universal Life Insurance

Universal Life Insurance is a type of permanent life insurance that provides lifelong coverage along with a cash value component that grows over time. Unlike term life insurance, it offers flexibility by allowing policyholders to adjust their premium payments and death benefits within certain limits based on their financial needs. A portion of each premium goes toward the policy’s cash value, which earns interest and can be accessed through loans or withdrawals. This combination of long-term protection and financial flexibility makes Universal Life Insurance a popular option for individuals seeking both life insurance coverage and a strategy for building financial stability over time.

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Have you been diagnosed with any major illnesses in the past 10 years?

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Do you have any relatives who have ever had any form of cancer?

Do you engage in a hazardous hobby or occupation (e.g., rock climbing, private pilot, etc.)?

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