A flexible permanent life insurance policy that provides lifelong coverage while offering the potential to build cash value over time. Universal life allows you to adjust your premium payments and death benefit within certain limits to better fit your changing financial needs. The cash value grows on a tax-deferred basis and can be used to help supplement retirement income, cover expenses, or provide financial flexibility throughout your lifetime.

Flexibility: Universal life insurance offers greater flexibility than many other permanent life insurance policies. Depending on the policy, you may be able to adjust your premium payments and death benefit over time, allowing your coverage to adapt as your financial goals, income, and family needs change.