Universal Life


Which Universal Life Insurance Policy is right for you?

Types of Universal

Life Insurance



Traditional Universal 
Life Insurance

Is available with several options but normally offers cash value, flexible premium payments and lifetime coverage.

  • Offers lifetime death benefit coverage

  • Flexible premiums are typical

  • Minimum guaranteed interest rate provides

  • Most policies offer the potential for cash value growth and access*

  • May be more expensive than term insurance

  • Can be confusing

  • Interest rates may not be as high as with other types of cash value life insurance

Variable Universal Life

Premium payments can be allocated among different investment options to offer the potential for even greater cash value accumulation.

Indexed Universal Life

Offers potential cash value accumulation and unlike variable universal life insurance, your earnings are typically protected from downside risk, subject to floors

  • Lifetime death benefit coverage provided

  • Flexible premiums are typical

  • Offers cash value growth potential and access*

  • You get to choose how your cash value is invested

  • Investment expenses apply

  • Your policy is at risk if your investments options lose value

  • You may have to pay higher premiums to keep your policy in force

  • Lifetime death benefit coverage 

  • Flexible premiums 

  • Cash value growth and access*

  • Downside market protection

  • Policy fees and expenses might be higher than with other policies

  • Earning potential is lower than variable universal life because most policies are subject to cap rates

Do you have more questions about Universal Life Insurance?

Call Us:


*Permanent coverage continues as long as required premium payments are made on time.

**Withdrawals and loans will reduce the cash value and death benefit of the policy.

Beach to Bay Insurance Group is an independent insurance agency located on the DelMarVa Peninsula. 


32828 Reba Road, Suite C

Millville, DE  19967


Important Note: This website provides only a simplified description of coverages and is not a statement of contract. Coverage may not apply in all states. For complete details of coverages, conditions, limits and losses not covered, be sure to read the policy, including all endorsements.

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