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Universal Life Insurance

Where do you see yourself 5 or 10 years from now – getting married, having children, paying for your child’s college education?

These may be dreams today, but what if those dreams were cut short by an unexpected death in your family? How would you, your spouse or your children survive financially? The bills would continue and life would go on, but would you or your family continue life at the same standard of living?

Universal life insurance policies can help protect you and your family from just such an event. We can help customize an affordable plan to suit your needs, and by adding additional life event riders, we can help your policy grow as your family’s needs change.

Highlights of the Plan:

  • You can purchase up to $150,000 in life insurance protection
  • Plans are portable
  • Income tax-free death benefit to your beneficiary
  • Potential for loans and partial withdrawals based on fund value

Life Event Riders:

  • Spouse Term (Other insured)
  • Accidental Death Benefit
  • Waiver of Premium
  • Children’s Term
  • Long-Term Care
  • Critical Illness

These policies offer benefits paid on a cash basis directly to you and are available either individually or through your employer. If you are interested in your employer offering these benefits, contact us at 919-755-1133 and we will help walk you through the process.