Universal life insurance

Universal lifeinsurance

Universal life (UL) is a type of permanent life insurance that combines the flexibility of customizable death benefit protection with the ability to build the cash value of your policy.

Universal life insurance benefits

Universal life insurance provides all the benefits of traditional life insurance, plus:

  • Potential to grow cash value over time at a set rate
  • Flexibility to set the amount of your monthly premium
  • Flexibility to set the amount of your death benefit while the policy is in force (subject to underwriting approval)
  • Tax-deferred earnings

Universal life insurance products

Indexed universal life insurance products

Life insurance policies are issued by The Lincoln National Life Insurance Company, Fort Wayne, IN. The Lincoln National Life Insurance Company does not solicit business in the state of New York, nor is it authorized to do so. Contractual obligations are subject to the claims-paying ability of The Lincoln National Life Insurance Company.

Policies sold in New York are issued by Lincoln Life & Annuity Company of New York, Syracuse, NY. The contractual obligations are subject to the claims-paying ability of Lincoln Life & Annuity Company of New York.

Product and features subject to state availability.