Universal Life Insurance

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Live carefree with lifelong protection.

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What is life insurance?

Life insurance gives your loved ones financial protection in the event of your death. Your monthly premiums mean peace of mind, a future for your family and no scary surprises.

How does life insurance work?

Nobody lives forever, no matter how many fruits and veggies you eat. But if keep up your life insurance premiums, your chosen beneficiaries will receive a payout when you die.

Who needs life insurance?

None of us know what the future may bring. But if you’re a parent or have a spouse, life insurance means your loved ones could be debt-free when you’re no longer around.

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    Permanent life insurance remains in place as long as you pay your premiums. Enjoy flexible payments to match your needs. 

    • Lasts for life if you make payments
    • Adjustable death benefits
    • Flexibility in premium payments
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    What our customers say

    Life insurance for as little as $7 a month

    Frequently asked questions

    What is a rider on a life insurance policy?

    A rider is an optional add-on to your policy. You can add a rider when you want some additional benefit on top of your standard policy, like the Accelerated Death Benefit rider. Adding a rider to your life insurance policy will usually increase your premiums.

    What is a life insurance premium?

    A life insurance premium is the regular payment you make in exchange for coverage. The rate you pay can be fixed or flexible depending on your policy type. Most people pay their premiums annually, but we also offer semi-annual, quarterly and monthly payment schedules depending on your needs.

    How much life insurance do I need?

    No one can predict the future, but the greater your life insurance coverage, the greater your peace of mind. Life insurance products are designed to cover almost any eventuality, from critical illness to sudden funeral expenses, so increasing your coverage means you can meet essential daily costs – such as childcare and paying the mortgage – when you need it most.

    What is life insurance net cash value?

    The net cash value refers to the amount you would receive if you were to surrender your life insurance policy. If your life insurance policy has a cash value component, you will accumulate savings each month which can be used as a source of cash, loans, or to pay policy premiums.

    Is life insurance worth it?

    If your family is financially dependent on you, then life insurance is definitely a worthwhile investment. How would your loved ones manage if you were to pass away unexpectedly? Life insurance can replace your income that would otherwise pay for living costs, such as childcare, paying the mortgage and unpaid medical bills.