Lyn Ryan GroupLife Planning & Financial Protection

Universal Life Insurance

Flexible premiums and adjustable death benefits — permanent coverage that adapts to your changing life.

What is Universal Life Insurance?

Universal life insurance is a form of permanent life insurance with flexible premiums and an adjustable death benefit. It also accumulates cash value based on current interest rates, giving you more control over your policy than traditional whole life.

Universal Life Insurance Types

How Universal Life Works

  • •You can adjust your premium payments and death benefit amount as your needs change.
  • •Cash value earns interest based on market rates, with a guaranteed minimum rate.
  • •Indexed and variable universal life options allow cash value to be tied to market performance.

Types of Universal Life

  • •Guaranteed Universal Life (GUL): Lifetime coverage with lower cash value but affordable premiums.
  • •Indexed Universal Life (IUL): Cash value growth tied to a stock index with downside protection.
  • •Variable Universal Life (VUL): Cash value invested in sub-accounts similar to mutual funds.

Let us help you find a universal life policy that adapts to your financial goals.

We do not offer every plan available in your area. Currently we represent [SITE ADMIN: ENTER APPROVED ORGANIZATION COUNT] organizations which offer [SITE ADMIN: ENTER APPROVED PRODUCT COUNT] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options. Not connected with or endorsed by the United States government or the federal Medicare program.