UNIVERSAL LIFE INSURANCE is a flexible life insurance policy. The premiums you pay and the interest earned build your cash value, which is available to you at all times. Each month, two deductions are made: a small monthly administrative charge, and the actual cost of your life insurance benefit. The remainder grows tax-deferred at a guaranteed interest rate.

Universal life is the most flexible form of permanent insurance. In general, universal life policies offer these valuable features:

• FLEXIBLE PREMIUM PAYMENTS: You choose the premium you want to pay within the minimum to keep the policy in force and the maximum allowable. You can change the amount or frequency of your premium anytime. You may even skip some premiums and still keep your coverage.
• FLEXIBLE BENEFITS: You may increase or decrease your life insurance benefit within the same policy. Decreases are subject to policy minimums. Increases may require new evidence of insurability.
• CASH VALUE: Your premiums accumulate in the policy's cash value account, earning tax-deferred interest. The value of the policy is available to you whenever you need it. The main purpose of the cash value is to help pay for future increasing insurance costs and keep premiums level so that you can budget for lifetime protection. Many people also use the cash value to draw on in times of financial need. It can be useful as a college tuition fund, a retirement nest egg, or even an emergency fund for unexpected needs.

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