91ÇÑ×Ó

Universal Life Insurance
Universal Life Insurance

Help clients that need flexibility get coverage that can evolve—just like life.

Universal life (UL) insurance offers permanent death benefit protection with flexible payments, adjustable coverage, and oftentimes cash value growth:

  • Accumulates cash value at a fixed interest rate, with a guaranteed minimum
  • May include riders that provide secondary guarantees for greater security

91ÇÑ×Ó Universal Life Flex IIISM

UL Flex III provides cost-efficient death benefit protection and premium flexibility to help meet changing needs. It offers valuable extended no-lapse guarantees to the lesser of age 95 or 35 years, lower policy charges for attractive cash value accumulation, plus an automated income feature with over-loan protection. It’s ideal for ages 45-75 and is approved in all states.

91ÇÑ×Ó Universal Life Provider Edge IISM

UL Provider Edge II offers an attractive option for individual and business clients who have a need for long-term life insurance protection at a reasonable cost. With its coverage longevity and cash value accumulation, it offers increased protection over term insurance and greater flexibility than guaranteed universal life insurance. It’s ideal for ages 45-70 and is approved in all states.

91ÇÑ×Ó® Survivorship Universal Life Provider

SUL Provider offers clients the security of cost-effective, long-term protection on two lives—and is ideal for ages 60-75. It can be an effective solution for legacy and estate planning needs or business protection needs. This product is approved in all states.

Riders and endorsements

Learn more about the available riders and endorsements for these products.

Some things clients should consider:

  • Universal life insurance has fees and expenses that can impact its cost and cash value growth.
  • If policy performance is less than expected, an increase in premium payments may be needed.
  • These products may require more active management by the policyowner due to their flexibility and cash value component.

Working with 91ÇÑ×Ó®

We're more than just products.  It's about the service you'll receive from 91ÇÑ×Ó and the experience, education, and ease of doing business.

To get started, contact your internal sales team at 800-654-4278.

Important information

Withdrawals and loans may decrease the amount of death benefit and cash accumulation value.

In exchange for the death benefit, life insurance products charge fees, such as mortality and expense risk changes and surrender fees. Premium payments can be increased, decreased or skipped provided there is enough accumulated value built up within the policy to cover the cost of insurance and other policy charges. All guarantees are subject to the claims-paying ability of the issuing insurance company.

The policy rider descriptions are not intended to cover all restrictions, conditions, or limitations that may apply. See the policy and rider for full details. Riders are subject to state variations and may not be available in all states. Some riders may require additional premium.

Insurance products issued by 91ÇÑ×Ó National Life Insurance Company (except in NY) and 91ÇÑ×Ó Life Insurance Company®, and the companies available through the Preferred Product Network, Inc.

Plan administrative services offered by 91ÇÑ×Ó Life. Referenced companies are members of the 91ÇÑ×Ó Financial Group®, Des Moines, IA 50392.

For financial professional use only. Not for public distribution.