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
| Audience | Document | Updated | Link |
|---|---|---|---|
| Consumer Use | Business Life Microsite | 09/12/2025 | Click Here |
| Advisor Use Only | Forms | 11/20/2025 | Click Here |
| Advisor Use Only | Product Microsite | 09/15/2025 | Click Here |
| Advisor Use Only | Portfolio Snapshot | 09/12/2025 | Click Here |
| Advisor Use Only | Conversions Advisor Microsite | 09/12/2025 | Click Here |
| Advisor Use Only | Rapid Review Microsite | 09/12/2025 | Click Here |
| Advisor Use Only | Multi-Carrier Underwriting Guide | 04/23/2026 | Click Here |
Product Resources
| Audience | Document | Updated | Form Number | Link |
|---|---|---|---|---|
| Consumer Use | Protection for Future Generations Consumer Flyer | 09/15/2025 | CLI-20151 | Click Here |
| Consumer Use | Choosing the Right Direction – Term vs. Permanent Life Insurance Consumer Flyer | 09/12/2025 | CLI-20020 | Click Here |
| Consumer Use | Taking Care of Business Consumer Worksheet | 09/12/2025 | CLI-20093 | Click Here |
| Consumer Use | Plan for Tomorrow Live for Today Consumer Flyer | 09/15/2025 | CLI-20128 | Click Here |
| Consumer Use | Living With Peace of Mind – Accelerated Benefit Rider Consumer Flyer | 09/12/2025 | CLI-20094 | Click Here |
| Consumer Use | Rapid Review “What to Expect Next” Consumer Flyer | 09/12/2025 | CLI-20149 | Click Here |
| Advisor Use Only | Building a Foundation for Their Future Consumer Flyer | 09/15/2025 | CLI-20172 | Click Here |
| Advisor Use Only | Advisor Guide | 09/15/2025 | CLI-20072 | Click Here |
| Advisor Use Only | Rapid Review Guidelines | 09/12/2025 | CLI-20168 | Click Here |
| Advisor Use Only | Tobacco and Marijuana Guidelines | 09/12/2025 | CLI-20134 | Click Here |
Dedicated Team
2026 fmiAgent Point Awards
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