Universal Life Insurance

Universal Life Insurance is a permanent policy that allows you the flexibility to customize the coverage and premiums that meet your needs. You have the ability to take policy loans or make partial surrenders from the account value to help with your personal needs. Loans accrue interest. Unpaid loans plus interest and withdrawals will reduce the death benefit and cash value. The policy continues as long as the cash value is sufficient to cover the monthly deductions.

• Provides for your family's loss of income, mortgage costs, and educational needs
• Give you access to cash value for life's opportunities
• Is part of your estate, special needs, and business planning
• Can be used to enhance gifting or planning for future generations

Your local Insphere agent is the best resource to help you determine which policy type is best suited for your family's needs and budget. Contact an agent today!