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Universal Life Insurance

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Universal Life Insurance

Life Insurance is a way to help make sure your loved ones, who depend on you, are financially secure if something were to happen to you unexpectedly. There are lots of plans, but universal life insurance combines the best options the affordability of term insurance with the long-term security of whole life insurance.

What Is Universal Life Insurance?

Universal Life Insurance is protection that offers payment flexibility and the ability to adjust the coverage amount over time. It offers low-cost protection like term life insurance and a savings element like whole life insurance. It can help your family financially with immediate cash for funeral expenses or can be used in other ways, such as business situations, to create a charitable gift, or to help generate an inheritance.

Universal life insurance is ideal for:

Income replacement

Estate planning

College expense planning

Inheritance or wealth transfer

Charitable giving

Paying off mortgage or debt

Deferred compensation

Retirement income planning

Business continuation coverage

Key person coverage (for the sudden loss of a key executive or employee)

*Coverages may not be applicable to all carriers

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St. Marys, PA

201 John Street, St. Marys, PA

Emporium, PA

318 E. Fourth St. Emporium, PA

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