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Universal Life Insurance


Universal Life offers the ability to be flexible with the timing and amount of premium payments. It does not guarantee cash value or death benefits.

Potential Advantages

Potential Disadvantages

2nd to Die – Survivorship

A type of life insurance on two people (usually married) that provides benefits to the heirs only after the last surviving spouse dies. This differs from regular life insurance because the surviving partner doesn’t receive any benefits after their spouse dies. This type of insurance can be an effective estate planning tool.