Universal Life Insurance

Why Choose Universal Life Insurance?

If you’re looking for a plan that can adapt as your life changes, universal life insurance might be the right fit.


Flexible premium payments

Adjust how much and how often you pay.


Tax-deferred growth

Your policy builds cash value over time.


Adjustable death benefit

Increase or reduce your coverage as your needs shift.


Lifetime coverage

Protection that can last for life, not just a term.


Whether you’re focused on protecting your family, planning for retirement, or building wealth to leave behind, universal life offers strategic financial advantages.

A Life Insurance Policy That Grows With You

Part of every premium you pay goes into a cash value account that grows over time — usually at a rate set by your provider or tied to an index.


This cash value can be:


  • Borrowed against for emergencies or big purchases
  • Used to cover future premiums
  • Left to grow as part of your long-term financial strategy


Your policy’s value can grow tax-deferred, which means more potential growth over the years.

For Families or Businesses

At AmericaQuote®, we work with individuals and families who value flexibility and long-term planning.


Universal life insurance aligns with estate planning goals, charitable giving, and legacy building. It gives you the flexibility to plan for your family.

FAQ

  • Is universal life insurance a good investment?

    It’s not an investment in the traditional sense, but it can offer cash value growth with tax advantages. It’s best viewed as a hybrid financial tool — part insurance, part long-term savings.

  • Can I change my premiums or coverage later?

    Yes. That’s one of the key benefits of universal life. You can lower or raise your payments (within certain limits), and even reduce or increase your death benefit as your situation changes.

  • Does universal life cost more than term or whole life?

    It’s typically more flexible (and most times more expensive) than term life, and more customizable than whole life. It’s best suited for those with long-term planning goals.

  • How do I know if universal life is right for me?

    If you want lifelong protection and the ability to adjust your coverage and savings strategy over time, it’s worth exploring. We can help you weigh your options and compare plans side by side.

We'll Walk You Through Every Option

This type of coverage can be complex — but you don’t have to navigate it alone. Founder Dave Frucella has over 50 years in the industry and has guided thousands of families through big decisions like these.


Our team is here to help you understand universal life insurance's ins and outs and opportunities with no pressure, ever.