Universal Life Insurance.

Is it right for me?

Is Universal Life Insurance right for me?

Universal life is permanent, flexible insurance coverage. It includes the opportunity to adjust the premium and the death benefit, as well as accumulate cash value on a tax-deferred basis.

Universal Life Insurance may be right for you:

  • Need coverage to protect your loved ones from the financial consequences of your death

  • Value the opportunity to accumulate cash value that you can later access to pay for expenses such as college funding or emergencies

  • Want the flexibility to adjust your payments and death benefit amount*

  • Need additional options to save for retirement

What’s included in a Universal Life policy?


Permanent Coverage

As long as premiums are paid on time, you have coverage for the rest of your lifetime.

Tax Advantages

Income tax-free death benefit, potential for tax-deferred** cash value accumulation & income tax-free policy loans/ withdrawals.

Accelerated Death Benefit

Early access to a portion of your death benefit in the event of a terminal or chronic illness.

Flexible Premiums and Benefits

Unique option to change the premium payment amount, payment frequency and death benefit amount.

Frequently Asked Questions

What's the difference between universal life and whole life policies?

Whole life and universal life are both forms of permanent life insurance, so they are similar in many respects. They both offer a death benefit that lasts throughout your lifetime as well as cash value. However, whole life has a fixed coverage amount and a fixed premium payment that will never increase. Universal life has both more flexibility and more risk.

What's the difference between universal life and term life policies?

Term life and universal life are substantially different products. Universal life has a variable premium and death benefit amount, whereas term is fixed; universal life is a permanent life insurance product that accumulates cash value, whereas term life only lasts for a certain period of time and only includes a death benefit. In essence, while term life is focused on simple, temporary protection, universal life is intended to provide a lifetime of flexible protection with some investment potential.

What factors affect the price?

As with any other life insurance product, the price of universal life is affected by the death benefit amount as well as your predicted life expectancy. Some factors that we take into account include your age, your gender (women have a longer life expectancy than men), tobacco use, and overall health. A universal life policy will include a minimum and maximum premium amount, and you have the flexibility to choose a payment amount within that range.

What are the steps to own a Universal Life policy?

On average, we complete this process in less than one month. You simply need to contact an agent to help you complete your application for review. If a medical examination or more questions are required, we will contact you within a week. When all requirements are in, we evaluate your application; if approved, your insurance policy is then issued and delivered to you.

How can having an agent help me?

Because universal life is such a personalized product that needs to be tailored to your individual needs, working with our experienced agents is a must.

We will ask you questions about your family, life situation, and financial needs to help you develop your goals, then clarify your options and help you choose the right policy to achieve your goals. As your agent we will also answer your questions and help you implement your life insurance plan.

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We are here for you.

We provide the best Whole Life, Term, & Final Expense Insurance to communities in MS, IL, LA, and TN.

We pride ourselves on offering fast courteous service and providing insurance products that fit into your budget, even on a fixed income, and even if you have health issues.

We happily serve our senior community by answering any medicare questions you have and insuring you get all of the health benefits and coverage available to you.

Simply put, we are committed to helping you.


Pam really cares about her clients,
and you can tell from the first time you speak with her.

Dorothy Moore

 Pam helped me cover my myself, and my grandchildren
and put my mother in a medicare plan with great benefits.

Vickie Mullins

 I finally have Life Insurance I can afford, and $0 Benefits on my medicare plan.

Thank you so much!

Lethia Johnson