Universal Life
A life insurance policy can help to financially protect your loved ones in the event of your death.

A Universal Life insurance policy combines two important elements: protection and savings. This type of permanent policy offers you (the policy holder) the flexibility to meet your changing financial needs. Within the limits of the policy, you determine the amount and frequency of your premiums; and you may adjust the policy face amount up and down as your needs require.

As premiums are paid and cash values accumulate, interest is credited to the policy’s accumulation fund. The cash values can be withdrawn and used for a variety of purposes such as retirement planning, estate planning, or educational funding.

Platinum (FPAL-02B Series)
A Universal Life Platinum product provides you life insurance protection with the convenience of selecting one of four different levels of target premiums (from high to low) to meet your life insurance needs today and tomorrow.

Platinum Ultra (FPAL-05B Series)
A Universal Life product designed to provide the perfect combination of permanent protection and long term cash accumulation that grows at competitive interest rates.

Optima (FPAL-06B Series)
A Universal Life product designed to provide guaranteed coverage up to age 100, provided certain conditions are met*, with all the cash accumulation potential of a Universal Life policy.

*You must pay the minimum premium on time and you must not make any withdrawals or changes in coverage.