Universal life insurance is a type of permanent life insurance policy that offers lifetime coverage and flexible premium payments.

 

It has an investment component, which allows you to invest in a variety of funds and accumulate tax-deferred cash value.

​

 This cash value can be withdrawn or borrowed against in the future.

 

Universal life insurance also has the ability to adjust the death benefit amount and premium payments to meet your changing needs.

 

With universal life insurance, you can get the protection you need and the financial security you want.

Indexed life insurance is a type of life insurance policy that offers the potential for cash value growth, based on the performance of a stock market index such as the S&P 500.

 

It allows policyholders to benefit from market growth while protecting them from losses due to market downturns. The cash value growth of the policy is linked to the performance of the index, but is subject to a minimum interest rate guarantee and may also be subject to participation and/or cap rates set by the insurer.

 

Indexed life insurance can provide a tax-advantaged way to supplement retirement income, and may also provide a death benefit to your beneficiaries upon your passing.

Variable life insurance is a type of life insurance policy that combines death benefit protection with an investment component.

 

It allows policyholders to invest a portion of their premiums in a variety of sub-accounts, which are similar to mutual funds.

 

This flexibility means that policyholders can adjust their investments to meet their changing needs and objectives.

 

Additionally, the cash value of the policy will fluctuate with the performance of the investments, potentially increasing the death benefit available to beneficiaries.

 

Variable life insurance is an excellent choice for those looking for a way to protect their loved ones while also taking advantage of the potential growth in the stock market.