Universal Life Insurance

Universal life insurance is a type of permanent life insurance policy that provides both a death benefit and a cash value component. Like whole life insurance, universal life insurance provides coverage for the policyholder's entire lifetime, as long as the premiums are paid.
The key difference between universal life insurance and whole life insurance is the flexibility it provides in terms of premiums and death benefits. With universal life insurance, policyholders have the ability to adjust their premiums and death benefits over time to meet their changing needs. For example, policyholders can increase their premiums to build up the cash value component of the policy, or decrease their premiums if they need to reduce their expenses.

Universal life insurance policies typically have a minimum premium that must be paid to keep the policy in force, but policyholders can choose to pay more than the minimum to build up the cash value component. The cash value component of a universal life insurance policy grows tax-deferred, meaning that policyholders do not have to pay taxes on the growth until they withdraw the funds.
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Overall, universal life insurance provides more flexibility than whole life insurance, but also requires more involvement and monitoring from the policyholder to ensure that the policy remains in force and meets their needs over time.

Lines Available:

Types Available

• Term
• Whole
• Universal
• ​Indexed Universal

Our process will help determine which solution will help you achieve your objectives best.

Insurers Available:

• Most major carriers.  (We will help you pick the one that best serves YOUR needs.
• We have partnered with a National Agency whose goal is to be competitive in all markets.
• Not being a captive agent means our allegiance is to our clients.  Our proposals are based on the client's best interest.

We will Listen to You

If you choose us, we will promise to listen to your needs.  We don't have a sales pitch but rather an interview process that will help us determine the best solution for you.  IF we don't have what you need, we will be the first to tell you!

Our Customers Come First

For some, this is a slogan.  For us, it is our commitment.  Our goal is to find the very best solution for YOU.  We believe that if we take care of you, our needs will be met.  The Golden Rule is more than just words, it's in our name!

We will Tell You the Truth

One thing you can count on is that we will tell you the truth.  We believe that our integrity is worth much more than any amount of money.  If we don't know the answer to your question, we will tell you so and will then work to find an answer.