Universal Life Policy

Universal Life Insurance

Provides flexible permanent life insurance that links its cash value growth to the performance of a stock market index without directly investing in the market.

Key Features

• As long as premium are paid and cash value account supports it, the policy never expires

• Clients can adjust payment amounts and death benefit within contract limits

• Cash value account growth is credited based on market index performance, subject to a cap rate (maximum) and floor rate (minimum, usually 0%) that protect against losses

• Access to accumulated cash value for tax-advantaged income potential

• Typical coverage ranges from $50K to $2M in face amount and cash value

Typical Use Case

Clients seeking a balance between lifetime protection, flexible premiums, and the potential for higher returns linked to market performance — without the downside risk of direct investment