Universal life
Understand how lasting coverage is funded.
Flexible payments affect policy value and how long coverage lasts. See how the pieces connect.
See the coverage we sell onlineThis guide is education. The coverage we offer online shows available coverage options from the carriers MedaSynq Insurance represents in your state, with policies issued by the insurer, with estimated prices.
Inside the policy
Premiums
Payments help fund the policy; changing them can affect its duration.
Policy features, guarantees, charges and availability vary. Loans and withdrawals may reduce benefits or cause a policy to lapse.
Common questions
What to understand before choosing
Does flexible mean I can stop paying?
Not without consequences. The policy must meet its funding and contractual requirements to remain in force.
How does it differ from whole life?
Whole life generally uses a defined premium schedule and contractual cash values. Universal life has different funding mechanics and guarantees that must be reviewed policy by policy.