Universal Life Flex

Issue Ages:

  • 0-85 Standard
  • 20-85 Super Standard and Preferred
  • 20-80 Super Preferred Non-Tobacco

Minimum Face Amount: $25,000 for ages 0-19; $50,000 for ages 20-85

Ideal Prospects:

  • Individuals who have coverage needs of $1 million or greater
  • Individuals who are seeking long-term coverage without requiring lifetime guarantees

Riders Available: Chronic Illness Death Benefit Advance Rider, Cost of Living Increase, Extended No Lapse Guarantee, Life Paid-Up, Salary Increase, Terminal Illness Death Benefit Advance, Waiver of Monthly Policy Charge

Sales Tools

AudienceDocumentUpdatedLink
Advisor Use OnlyForms06/09/2026Click Here
Advisor Use OnlyKey Person Life/DI Calculator06/16/2026Click Here
Advisor Use OnlyMulti-Carrier Underwriting Guide10/08/2026Click Here
Advisor Use OnlyAccelerated Underwriting Guide06/16/2026Click Here

Product Resources

AudienceDocumentUpdatedForm NumberLink
Consumer UseLife Paid-Up Rider Consumer Flyer06/16/2026BB12012-04Click Here
Consumer UseConsumer Brochure06/16/2026BB12089-07Click Here
Consumer UseChronic Illness Rider Consumer Brochure06/16/2026BB10935-11Click Here
Consumer UseCost of Living Increase Rider Consumer Flyer06/16/2026BB12168-03Click Here
Consumer Use“Term or Permanent Life Insurance?” Consumer Flyer06/16/2026BB12102-05Click Here
Advisor Use OnlyChronic Illness Rider Advisor Guide06/16/2026BB11960-12Click Here
Advisor Use OnlyAdvisor Guide06/16/2026BB12092-05Click Here
Advisor Use OnlyProduct Highlights06/16/2026BB12095-05Click Here
Advisor Use OnlyLife Portfolio06/16/2026BB8978-35Click Here
Advisor Use OnlyBusiness Solutions Enhanced Underwriting Flyer06/16/2026BB12544-03Click Here

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