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Universal Life Insurance

Universal Life Insurance for Every Stage of Life


  • Flexibility When You Need It

    Life is full of unexpected twists and turns. Universal life insurance provides the flexibility you need to navigate your journey. It is a form of whole life insurance that covers you throughout your lifetime, but along the way you can adjust things like your premium payments and death benefits1 to meet your current needs and goals.

  • Benefits While You're Living

    Your policy builds accumulated value – based on premium payments you make – that you can borrow against while you’re still around to enjoy it. You can use your policy’s accumulated value for purchasing a home, starting a business, or even funding your retirement. Just remember that taking loans or withdrawals2 against the accumulated value could impact the amount of your death benefit.

1Additional costs are associated with an increase in coverage and may require additional underwriting. Increases in specific amounts may trigger new surrender charges and surrender charge periods, but decreases to specified amounts may not reduce surrender charges. 2Withdrawals may be subject to fees and/or considered a taxable event. Any loans from the policy’s accumulated value will reduce the accumulated value and death benefit if the borrowed funds, plus interest, are not repaid by the time of your death.


Our universal life policies offer features and benefits unlike other whole life policies. Your agent can help you choose the policy1 that fits your needs and budget.

  • Foundations Universal Life

    Flexible protection and flexible payments make universal life insurance different from other types of life insurance. If you’re looking for a way to protect your family or business from the uncertainties of life while continuing to put money away on a tax-advantaged basis2, Foundations Universal Life may be a good fit for you.

  • Foundations Indexed Universal Life

    With an indexed universal life policy, you’ll have all the benefits of universal life insurance, and the added option to grow your accumulated value by taking advantage of potential gains in the market.3 Our Foundations Indexed Universal Life can help you build a financial foundation to use in your retirement years.

  • Universal Life with Secondary Guarantee

    When you want whole life insurance at term life insurance rates, Universal Life with Secondary Guarantee may be the product for you. As long as your planned premiums are paid on time, your policy will remain in force to your desired age (up to age 121!). 

1These are flexible premium policies. It is important that your premium payments are sufficient to maintain coverage. In the event that premium payments are insufficient to maintain the insurance, coverage under the policy will terminate. 2Neither the Company nor its agents give tax accounting or legal advice. Please consult your professional advisors in these areas. 3This policy does not directly participate in any stock, bond or equity investments. W-001


  • Non-tobacco

    You may qualify for lower premiums if you have not used tobacco products in the past 12 months.

  • Healthy Living

    You may also qualify for lower premiums if you meet certain requirements, including acceptable blood pressure and cholesterol levels.

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