Life Insurance

Our lives are made richer by the many events and stages we experience. Who would expect one life insurance policy to be flexible enough to conform to your life's needs as they evolve? But universal life insurance can. Its many options and flexible features can grow with you over a lifetime of change.

Flexible, permanent life insurance protection that lasts for your lifetime or the life of the policy and may build tax-deferred cash values. You determine policy and payment size, subject to policy minimums. This coverage allows you to make changes to it as your needs change.

Typically, universal life insurance is used to cover long-term needs like:
  • Develop an estate plan***
  • Facilitate business planning
  • Help provide money for education
  • May develop tax-deferred cash values for special situations such as retirement
Compare our Universal Life Insurance Policies
Guaranteed Universal Life
Guaranteed Universal Life Plus
Income Advantage℠
(Indexed Universal Life Insurance)
AccumUL Plus
AccumUL Answers
Eligible Ages 18-85 0 – 85 0 – 85
Death Benefit Amounts $100,000* – $1,000,000 and above $100,000 and above **** $25,000 – $1,000,000 and above**
Product Features Guaranteed Universal Life
  • Helps you guarantee a death benefit
  • Able to add features to customize policy
  • Helps you guarantee a death benefit with customizable features
Guaranteed Universal Life Plus
  • Ideal for Short Pays, Dump Ins & 1035's
  • Potential for cash accumulation based on the performance of a market index
  • Provides a death benefit as well as helping to accumulate funds for later needs such as emergencies, retirement and children’s education
  • Flexibility to adjust your premium payments and customize the policy through additional features
  • Helps you accumulate funds for later use (retirement income, education fund) while also providing a death benefit
  • Able to add features to customize policy
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Guaranteed Universal Life Express
Eligible Ages 18 – 65
Death Benefit Amounts $25,000 – $300,000 (Ages 18-50) $25,000 – $250,000 (Ages 51-65)
Product Features
  • Simplified underwriting
  • Quick issue process
  • Helps you guarantee a death benefit
  • Able to add features to customize policy
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We also offer universal life products for your estate planning*** needs (Guaranteed Universal Life Survivor).

*$50,000 – $99,999 for ages 66 – 85 Standard Nontobacco and Standard Tobacco; $100,000+ for ages 81 – 85 Standard Nontobacco and Standard Tobacco
**Below $100,000 only Standard Nontobacco and Standard Tobacco risks are available, ages 0 – 17 Standard Nontobacco only, ages 18 -80 (all risks), ages 81 – 85 Standard Nontobacco and Standard Tobacco risks only.
***Consult with a professional tax and/or legal advisor before taking any action that may have tax or legal consequences.
****Ages 0 – 17 Standard Nontobacco only, ages 18 – 80 (all risks), ages 81 – 85 Standard Nontobacco and Standard Tobacco risks only.

Other insurance plans you may be interested in:

Provides affordable coverage for a specific period of time. Payment amounts don't change for the guaranteed premium period.


Typically, proceeds from a Term Life Insurance policy may be used to cover needs like:
  • Pay off mortgage on your home
  • Provide an emergency fund
  • Help provide for a child's education fund
  • Pay off personal debts

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Premiums remain the same for the life of the policy. May build tax-deferred cash values.


Typically, whole life insurance is used to cover long-term needs like:
  • Cover final expenses
  • Supplement existing life insurance coverage
  • Provide a gift for an important young person

View plans