Universal Life Insurance

With flexible coverage and premium options, universal life insurance is designed to help accommodate life's changing needs. It offers the benefits of lifetime insurance protection, tax-deferred accumulation of cash values, and a variety of riders to customize coverage to meet individual needs and objectives.

Universal Life Insurance provides:

• Tax-free death benefit to help cover final expenses
• Ability to extend coverage to additional family members
• Flexibility to adjust policy coverage and premium amounts
• Guaranteed coverage until maturity options

Benefits of Universal Life Insurance:

• Ability to vary the amount and timing of premiums without notice or negotiation provided your policy has sufficient policy value to cover ongoing charges and expenses.
• Option to suspend premiums during periods of tight or seasonal cash flow
• Tax-deferred growth of cash values
• Ability to access cash values through loans and withdrawals
• Cash values earn a guaranteed minimum interest rate

Elements to Consider:

• Potential for weak or even negative cash value growth during unfavorable interest rate environments or as mortality charges increase
• Negative cash value growth could require the payment of additional premiums

Union Insurance Advisors are available to schedule insurance planning appointments at any of our locations. We invite you to contact us today so we can help you find the right insurance coverage. Call us toll free at (800) 218-7501 for more information.

Insurance products provided by Union Insurance Group, LLC (UIG):