Universal Life Insurance:
Flexible Premiums and Adjustable Lifetime Coverage 

Premium and Death Benefit Flexibility 

UL separates the cost of insurance from the cash value component, giving you control over how and when you fund your policy. This is the key difference from the fixed structure of Whole Life. 

Core Flexible Features

• Adjustable Premiums: Within limits, you can pay more than the target premium to accelerate cash value growth, or pay less (or even skip payments) if the policy's cash value is sufficient to cover the monthly costs of insurance.

• Adjustable Death Benefit: You can potentially increase or decrease your death benefit amount as your financial obligations change over the years (subject to underwriting and policy limits).

• Tax-Deferred Growth: Like all permanent life policies, the interest earned on your cash value component grows tax-deferred.

Understanding UL Cash Value 

How Universal Life Cash Value Accumulates 

The cash value in a Universal Life policy earns interest based on a crediting rate determined by the insurance company. This rate can fluctuate, but it is typically guaranteed never to fall below a set minimum (e.g., 2%).

Why Choose UL over Whole Life? If you prioritize the ability to control and vary your payments, or need a policy that can adapt to changing income streams or future goals, Universal Life is a powerful solution.

Local Guidance in the Twin Cities 

Your Local Universal Life Experts in Edina, MN 

Navigating the flexibility of Universal Life requires expert advice to ensure your policy stays funded and performs as expected.

Solvera Insurance Advisors, based in Edina, offers personalized consultation for clients throughout the Minneapolis-St. Paul area, including Bloomington and Richfield. We help you structure your UL policy to maximize cash value and longevity.