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Universal life insurance offers lifelong coverage with a tax-free payout to your beneficiaries while allowing you to control your policy and premiums.

Everything you need to know about Universal Life Insurance

Benefits of universal life insurance

Universal life insurance gives you peace of mind without being locked in to set premiums or coverage policies.

Once you are covered, you can then leverage these funds and their interest to cover your premiums, withdraw the money tax-free, and even borrow against it, tax-free as well.


  • You can increase the value in your account by paying more than the set premium.

  • Or you can pay less than the premium and leverage your account to cover the shortage.

  • You can earn interest based on either a set index, mutual funds or market interest rates.

  • You can increase or decrease your death benefit and your premiums.

  • Your Universal life insurance policy grows tax-free, and you can borrow against it.

Who should get universal life insurance?

A universal life insurance policy is for those with changing financial needs over time that may want to increase or decrease their premiums and modify their coverage. 


Why do you need life insurance?

Replace lost income

You can help your dependents financially who rely on your income with adequate life insurance coverage.

Pay off debt

Debt does not disappear, whether you are alive or not. In most cases, your debt (mortgages or other loans) may fall on your spouse or other family members who are co-signers – life insurance can help alleviate just that.

College planning

Insurance proceeds can be a good supplement for your kids’ savings towards college.

Funeral expenses

In the case of your passing, life insurance can help ease the financial burden of funeral expenses.

Business coverage

As a business owner and partner, life insurance helps lessen the financial burden one partner is left with if the other dies.

Inheritance taxes

To avoid having your family getting hit with a big estate and inheritance tax bill when you pass away, make sure to be covered with life insurance to help cover these added costs.

Protecting those you love is easy

When you take care of your life, it is easy to protect your loved ones

Step 1

Answer a few simple
questions about you and
your lifestyle

Step 2

Check your Quality of Life Index
to receive personalized advice on life insurance.

Step 3

Simply select the right
insurance plan and apply

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