Life Insurance
What is Universal Life Insurance?
Universal life is a form of permanent life insurance built around flexibility — both in premium and in death benefit.
How it works
Premiums fund a cash value account that grows over time. As long as the account supports the policy charges, coverage continues.
Where it fits
It can suit people who want lifelong coverage and a savings component, or who anticipate uneven income and want premium flexibility.
Have questions about this coverage?
Chaz Toomey is here to walk you through your options — no pressure, just clear guidance.