Universal life insurance offers permanent protection with the ability to adjust your premiums and benefits as your financial goals evolve. It’s designed for clients who want long-term coverage combined with cash value accumulation — all within a structure that can adapt to changes in income, liquidity, and planning needs.
When designed properly, universal life can serve as a cornerstone of your estate, retirement, or business planning strategy — balancing flexibility and stability in one plan.
Get StartedA universal life policy provides lifelong coverage while allowing you to adjust how and when you fund it. Part of your premium covers the cost of insurance and policy expenses, while the remainder contributes to a cash value account that grows tax-deferred.
You can access this cash value through loans or withdrawals, adjust the death benefit, or even change your payment frequency — giving you a level of flexibility not found in other permanent life insurance options.
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Universal life policies can be structured in different ways to prioritize what matters most to you — whether it’s guaranteed protection, cash value accumulation, or market participation.
Indexed Universal Life (IUL)
Credits interest based on market index performance with built-in downside protection through a 0% floor.
Guaranteed Universal Life (GUL)
Focuses on providing lifetime protection with fixed, predictable premiums and guaranteed death benefits.
Variable Universal Life (VUL)
Offers investment control and market exposure through separate accounts for higher growth potential.
Learn more about these policy types on our Permanent Life Insurance page.
At Living Equity Group, we model multiple carriers and policy designs to ensure your universal life plan fits both your protection goals and financial strategy. Our advanced case design team compares scenarios, stress-tests illustrations, and tailors solutions that evolve with your circumstances.
From initial consultation through policy management, we provide clarity, transparency, and ongoing support — giving you a policy that performs in both the short and long term.
Work with our advanced case design team.Universal life insurance bridges the gap between affordability and flexibility. It offers the long-term protection of Whole Life Insurance but with adjustable funding and benefit options that can change over time.
Many clients pair universal life with Term Life Insurance or use it alongside Indexed Universal Life to build a balanced strategy that evolves as their financial picture changes.
Universal life insurance gives you the power to balance protection, liquidity, and growth in one lifelong policy. Let’s design a plan that aligns with your financial goals and adapts to your future.
Speak with a Living Equity Group Specialist
