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Universial Life insurance 

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Universal Life Insurance

Universal life insurance is a type of permanent life insurance policy that is generally more affordable than other options. In addition to providing a death benefit, universal life insurance also provides flexible premiums and includes a cash value savings component which can be used to supplement income and pay expenses

What is Universal Life Insurance?

Beyond affordability, universal life (UL) policies are also considered to be the most flexible kind of life insurance. Rather than simply providing a fixed death benefit amount for a fixed premium payment, UL policies offer policyholders flexibility with their premium payments and their death benefit amount.


People who own universal life insurance policies can make periodic adjustments according to their needs. UL policies also offer a built-in cash value, so you can set money aside on a tax-deferred basis, right inside your policy.


Frequently asked questions

Why do I need Universal Life Insurance?

The reasons for buying universal life insurance are almost as varied as the number of policies available for purchase.


For most people, providing a ready source of funding for grieving loved ones after death is an important consideration. When you die, will your loved ones be able to afford to pay your final expenses and debts and be able to maintain their current standard of living? If the answer is "no", it's time to explore various life insurance options to determine what makes the most sense for your situation.

How Does Universal Life Insurance Work?

Provides a death benefit to pay off your mortgage in the event of your death

Pays your mortgage payments if you become disabled

Protects your mortgage payments in the event of critical illness

Provides benefits from a life insurance policy with generally affordable premiums

Achieves peace of mind for your home and family

Ready to talk to a licensed professional?

Call Joe Catran at 727-331-1328

Prefer to schedule an appointment 

Pick a time that is good for you 

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