Individual Universal Life Plans *

Individual Universal Life Insurance Plans: can help you meet a variety of financial objectives. Plans can be custom built to meet your specific objectives such as traditional individual death benefit coverage, advanced estate planning, insuring a vital employee and insuring business continuation. Our many unique riders and large variety of Universal Life Plans, which offer flexible components, tax-free death benefits, tax-favored policy distributions, and many other features, make Individual Universal Life Plans an excellent choice for a variety of different security needs for your loved ones.

Flexible features of some plans: the ability to pay premiums on a flexible schedule. After paying the first required premium, owners do have the flexibility to vary the timing and amount of premium. Policyholders may even elect to pay a single premium for their coverage needs or defer a premium for a time due to financial constraints, provided the cash surrender value covers the policy charges on each monthly anniversary. Some plans offer no lapse guarantee provisions, which may meet policyholder secuity needs better. Some of the other flexible options include the ability to lower or raise your specified amount (death benefit) as your security needs change (subject to underwriting guidelines). After a period of time, it may be possible to reduce or increase your policy premium to meet budget constraints, if necessary, provided the cash surrender value is able to cover the policy charges for each monthly anniversary.