Universal Life Insurance - Goat Planning

Universal Life Insurance

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Universal Life Insurance

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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.

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?

Just like other forms of insurance, you’ll need to apply for coverage and pay an initial premium. Once your policy is in-force, you’ll need to make periodic premium payments to keep your life insurance benefits.

One of the best features of universal life insurance is the flexibility with your premium. You can pay higher premiums to add to your policy’s cash value when you’re able. Or, if you need to reduce the premium for a period of time, you can make adjustments to the policy to accommodate that.

Contact Us

Jeff Batson
Goat Planning – Symmetry Financial Group
735 Shelby St. Suite 37
Indianapolis, IN, 46203

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Schedule a 15 minute phone consultation with Jeff to discuss your financial and insurance goals. 

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