Pointway Wealth & Benefits
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Universal Life Insurance
Lifelong Protection with Flexible Investing

Combine permanent life insurance with flexible, tax-advantaged investing for balanced protection and wealth building.

What is Universal Life Insurance?

Universal life insurance combines lifelong protection with flexible, tax-advantaged investing. It gives you the freedom to adjust your premiums and coverage as your needs change — whether you're growing your wealth, protecting your estate, or planning for the future.

Part of your premium goes toward insurance, while the rest is invested and grows tax-deferred. It's a smart way to balance protection today with financial planning for tomorrow.

Flexible Premiums

Adjust payment amounts and timing based on your financial situation

Investment Options

Choose from various investment accounts to match your risk tolerance

Tax-Deferred Growth

Investment growth accumulates without immediate tax consequences

Investment Planning

Flexible Premiums

Adjust your premium payments up or down based on your changing financial circumstances.

Investment Control

Choose how your cash value is invested from a selection of investment options.

Death Benefit Options

Choose between level or increasing death benefit options to meet your needs.

How Universal Life Works

Understanding the flexibility and control you have

Premium Allocation

Your premium is split between insurance costs, administrative fees, and investment accounts.

Investment Growth

Cash value grows based on the performance of your chosen investment options.

Policy Loans

Borrow against your cash value for major expenses while maintaining coverage.

Flexible Adjustments

Modify premiums, death benefits, and investment allocations as your life changes.

Build Wealth While Protecting Your Family

Discover how universal life insurance can fit into your comprehensive financial plan.

Explore Your Options Call: 1-888-676-4689