Universal Life 4 Single Policy

Universal Life is an alternative life insurance plan which fills the gap between term coverage and traditional whole life insurance. Universal Life is a permanent life insurance plan issued between the ages of 0 and 75 which allows for modifications as circumstances arise and changes are needed. The UL4 Single Policy features:

Adjustable Death Benefits - Select a level death benefit which favors cash accumulation or choose an increasing death benefit which favors insurance protection.

Flexible Premiums - Minimum premiums are required for the first five years. After this period premium amounts and payment schedules can be changed. As long as there is enough surrender value in the policy to pay the cost of insurance and service charges, the policy remains in effect.

Long-term cash value growth - on a tax-deferred* basis at favorable interest rates.

Current Rates

• Current New Policy Rate = 6% (a)


• Guaranteed Minimum Renewal Rate = 4.00%

(a) Effective annual interest rate. Current rate is subject to change without notice.

*According to current tax laws, IRC Sections 101 &7702, for Minnesota residents, Minnesota Statues Section 290.01, Subd. 19.

Single Life Riders

For more information contact or find your local sales office.