Universal Life Insurance

You know life insurance is the cornerstone of a sound financial plan—and a secure future. In addition to providing a death benefit, it offers an attractive means of accumulating funds for retirement or other long-term financial needs.   

Single Premium Life Insurance

Single Premium Life Insurance (SPLI) is simple and straightforward: you make a one-time premium payment to secure a totally paid-up, cash-value life insurance policy providing a guaranteed death benefit.  

 SPLI can provide the financial security you seek from life insurance while providing a smart estate or retirement planning option for you and your family:

·     A death benefit that may be free from federal income tax, probate expense and the claims of creditors.

·     A guaranteed interest credited to the policy’s cash value Tax-deferred accumulation of the policy’s cash value.

·     The ability to access cash values through policy loans or withdrawals.

·     The convenience of paying just one premium for a paid-up policy.  

* Choosing this option will reduce your policy’s death benefit.   

Signature Guarantee Universal Life

 Single Guarantee Universal Life Insurance (SGUL) is simple and straightforward: you make a monthly premium payment to secure a cash-value life insurance policy providing a guaranteed death benefit.  

 SGUL can provide the financial security you seek from life insurance while providing a smart estate or retirement planning option for you and your family:

·     A death benefit that may be free from federal income tax, probate expense and the claims of creditors.

·     A guaranteed interest credited to the policy’s cash value Tax-deferred accumulation of the policy’s cash value.

·     The ability to access cash values through policy loans or withdrawals.

·     The convenience of paying just one premium for a paid-up policy.  

Family Universal Life Insurance  

You know life insurance is the cornerstone of a sound financial plan, and you’re looking one that not only protects your loved ones but also offers flexibility and affordability. Family Universal Life (FUL) gives you the freedom to design an insurance plan you can adjust as the needs of your growing family change without changing policies. You can choose from two coverage options: coverage that increases or coverage that remains level throughout the life of your policy.  

 FUL can be an inexpensive way to guarantee a death benefit that is payable to age 100 and beyond. You can request an increase or decrease in your death benefit any time you feel it necessary to change your coverage. And as your income grows, your premiums can be adjusted to accumulate cash value more quickly.