Universal life policies offer the policyowner more flexibility than whole life insurance - the flexibility to choose both the amount of insurance and the premium amount to be paid.

Life insurance is traditionally designed to provide security for your loved ones in the event of your premature death…but what about protecting your quality of life now?

Once enrolled, the insured(s) are covered 24 hours a day, 365 days a year against covered accidents occurring in the course of business or pleasure.