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Universal Life Insurance
 
A Universal Life Policy provides flexibility that allows you to change, within limits, the death benefit and the timing and amount of your premium. You can build your policy’s cash value, or pay a lower premium and focus more on guaranteed protection. Universal Life policies typically offer a guaranteed return on cash value.

Some positive features of Universal Life Insurance are:
  • Protection that can last a life time
  • The flexibility to choose between protection plus cash value accumulation or affordable guaranteed protection