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Universal Life Insurance also known as Tax Free Retirement, is a flexible permanent life insurance that offers the low-cost protection of term life insurance with a savings element which provides a cash value accumulation account.  The living benefit-cash value-earns interest based on a fixed rate or a rate based on an equity or bond index increase. With a tax free retirement product there is no market risk. You receive the upsides of the market increases, but are not penalized if the market decreases.  The benefit of a Universal Life policy is that it can be changed as a policy owner's needs change. It also allows the policy owner to use the interest from their savings account to pay premiums on the policy should that become necessary. If you borrow money from your cash value account are not responsible for paying that money back if your policy is active. If for some reason you are unable to pay it back it will be deducted from the death benefit when you pass away.


A Universal Life Policy provides control, options, flexibility and certainty while removing stock market and tax risk. To find out if a Universal Life policy is the right choice for you, click the button below to receive a free quote!



Universal Life Insurance/Tax Free Retirement