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What is Universal Life Insurance?

Life insurance that can cover you for life - Universal Life Insurance provides both flexibility and financial advantages. People who start out with a term life insurance policy sometimes upgrade it to Universal Life Insurance because of the advantages. Unlike other permanent types of life insurance, universal life insurance let's you adjust the benefit amount up or down without having to get a new policy. Universal life insurance may be a good choice if you need financial protection for a long period of time.

What makes Universal Life Insurance such a Good Choice?

Generally speaking, Universal Life Insurance is considered an affordable way to secure a lifetime of coverage. Your account value earns interest and such a policy can be highly flexible.

Once you are insured, you may have the ability to reduce your coverage and, subject to underwriting by the issuing company, may be able to increase your coverage. This feature can be particularly appealing to young people starting out or people with changing needs. Universal life coverage also affords you the ability to adjust the amount of your premium. The amount and timing of premium payments under a universal life policy can directly affect how long the coverage may continue.

Flexible Payments and Coverage - plus Financial Rewards!

Universal Life Insurance offers flexible, budget-friendly and financially rewarding benefits.

Choose a Premium to Suit Your Needs

You can choose to pay a lower or higher premium to suit your budget.

Flexible Death Benefit

You can increase or decrease your death benefit amount to fit your changing needs.

Cash Value Increases

Your Universal Life Insurance policy earns interest, so it accumulates value over the years. And, the federal income taxes are deferred, so you aren't paying them annually.¹

Tax-Free Benefits for Loved Ones

Generally speaking, your loved ones won't pay income taxes on the life insurance proceeds they receive.

The Universal Life Insurance plans we offer have been designed to help meet the life insurance needs and financial goals of many clients - including individuals whose focus is on death benefit protection for estate planning, retirement, and asset preservation purposes. To learn more about Universal Life Insurance, speak to one of our licensed life insurance agents - we can provide you with easy to understand information to help you decide if this policy is right for you.

1. Based on current federal income tax laws. Please consult a qualified tax advisor with questions.

How to Apply for Universal Life Insurance

Get started today by requesting a quote. One of our licensed agents will be happy to answer your questions and work with you to find the right Universal Life Insurance policy for you and your family.

Hear from Our Customers Who Purchased Universal Life Insurance through AIG Direct

5 Stars
5 Stars - Great Life Insurance Coverage
Competitive Life Insurance Product
I have been very happy with the service provided by AIG. The conversion process was easy and the agents were very helpful.
Motivation: Protect Loved Ones Financially
July 24, 2018
5 Stars
5 Stars - Great Life Insurance Coverage
Great Customer Service
It was great and easy to do business with AIG. I have had them for years and then renewed my policy and was all done on the phone with great customer service.
June 4, 2018
5 Stars
5 Stars - Great Life Insurance Coverage
Great Insurance
AIG is a great insurance company. I never had an issue with my agent and she was always able to answer any of the questions I had. AIG kept me informed at all times on my application while it was in process and everyone I spoke to was extremely polite and had great customer service.
April 8, 2018
Read more of what our customers have to say and see their Life Insurance Customer Satisfaction Scores.

The endorsements/testimonials presented should not be construed as a recommendation to purchase, or an indication of the value of any product or service. The testimonials are actual AIG Direct customers who are not affiliated with AIG Direct and were not provided compensation.