Universal Life is a permanent, flexible-premium, adjustable death benefit life insurance policy that builds cash value. The flexibility of this policy allows you to change the amount of insurance, as your needs for it change. Some of these changes may require an additional medical exam. Universal Life makes sense for those individuals who have a long-term need for life insurance and desire premium flexibility.

Death Benefit = Fixed or Flexible

Premium = Flexible

CashValue =Yes,based on declared interest rate

Goal: Protection and Cash Value