A Universal Life policy is the most flexible of all available forms of life insurance today.The owner of a universal life policy is permitted (within limits), to adjust the face amount of the policy, the premium amounts and length of premium payment as desired to meet an individual's situation. Universal Life products are sometimes referred to as "interest sensitive" because values are related to credit interest rates.

Premium payments are accounted for in an accumulation account from which costs to maintain the policy are deducted and interest earnings are credited. This accumulation account is available to the owner during their lifetime as a living benefit.

The Benefits of Universal Life

• A flexible death benefit
• Income tax free death proceeds
• Interest-sensitive cash value
• Flexible premium
• Ability to customize the plan to fit the need of the policyholder
  

Our Universal Life portfolio of products include:

Concept 3/Concept 2  Two Universal Life products that provide for a flexible death benefit and flexible premium payments.

TUL-20  An affordable universal life insurance plan designed to provide your client with permanent insurance protection plus the additional flexibility of flexible premium payments and an adjustable death benefit.

If you would like information about any of the products United Heritage has to offer
Contact Us or Locate an Agent in your area.