Flexible Life Insurance Options (Universal, Variable & Indexed)
These related permanent life solutions all give you lifelong coverage paired with a cash value account that can grow over time — and the flexibility to adjust your premiums and death benefit as life changes.
Universal Life (UL)
Keeps things simple and predictable, with cash value that grows at a fixed or insurer-declared interest rate. Lower risk, lower growth potential.
Variable Universal Life (VUL)
Lets you invest the cash value in market subaccounts similar to mutual funds. Higher growth potential, but the value rises and falls with the market.
Indexed Universal Life (IUL)
Sits in the middle. Cash value growth is tied to a stock market index like the S&P 500, with a floor that protects you from market losses and a cap on the upside.
Tap any option below to see how it works and who it fits best.
Long-term protection with growth potential
