Heritage Universal Life

Cincinnati Life’s Heritage UL gives your clients between the ages of 0 and 80 the flexibility to choose the amount of universal life protection that best fits their needs. Whether covering final expenses or providing a legacy for surviving family, flexible death benefit amounts and premiums make it ideal for keeping pace with changing life circumstances.

Issue Ages: 0-80

Minimum Face Amount: $35,000

Riders Available: Accelerated Benefit, Chronic Illness and Terminal Illness Accelerated Benefit, Accidental Death Benefit, Children’s Term Life Insurance, Disability Waiver of Monthly Deductions, Insured Insurability

Sales Tools

AudienceDocumentUpdatedLink
Consumer UseBusiness Life Microsite06/22/2026Click Here
Advisor Use OnlyForms06/09/2026Click Here
Advisor Use OnlyProduct Microsite06/23/2026Click Here
Advisor Use OnlyPortfolio Snapshot06/22/2026Click Here
Advisor Use OnlyConversions Advisor Microsite06/22/2026Click Here
Advisor Use OnlyRapid Review Microsite06/22/2026Click Here
Advisor Use OnlyMulti-Carrier Underwriting Guide10/08/2026Click Here

Product Resources

AudienceDocumentUpdatedForm NumberLink
Consumer UseProtection for Future Generations Consumer Flyer06/23/2026CLI-20151Click Here
Consumer UseChoosing the Right Direction – Term vs. Permanent Life Insurance Consumer Flyer06/22/2026CLI-20020Click Here
Consumer UseTaking Care of Business Consumer Worksheet06/22/2026CLI-20093Click Here
Consumer UsePlan for Tomorrow Live for Today Consumer Flyer06/22/2026CLI-20128Click Here
Consumer UseLiving With Peace of Mind – Accelerated Benefit Rider Consumer Flyer06/22/2026CLI-20094Click Here
Consumer UseRapid Review “What to Expect Next” Consumer Flyer06/22/2026CLI-20149Click Here
Advisor Use OnlyBuilding a Foundation for Their Future Consumer Flyer06/23/2026CLI-20172Click Here
Advisor Use OnlyAdvisor Guide06/23/2026CLI-20072Click Here
Advisor Use OnlyRapid Review Guidelines06/22/2026CLI-20168Click Here
Advisor Use OnlyTobacco and Marijuana Guidelines06/22/2026CLI-20134Click Here

Dedicated Team

2026 fmiAgent Point Awards

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