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Flexible Universal Life Insurance

Seeking flexibility in your life insurance coverage and premium payments? Then Alfa®'s flexible universal life plan may be the right one for you. This permanent insurance plan offers a cash accumulation feature that earns interest according to our declared current rates. You may also increase or decrease death benefits, vary your premiums, and in some cases, temporarily suspend premium payments.*

At the end of every policy year, you will receive an annual report detailing the activity and status of your universal life policy. This report will summarize:

  • Premiums you paid
  • Expenses deducted
  • Cost of insurance protection
  • Interest credited to your policy
  • Current accumulation and surrender values
  • Adjustments, if any, such as policy loans or withdrawals
  • Interest rate to be credited for the next 12 months
  • Current death benefit

Alfa’s flexible universal life policy affords you great control and flexibility for protection throughout your lifetime and is issued for ages 0-75. Ask us for more information today.

* Subject to policy provisions regarding changes in coverage or premium amounts. Decreases in the death benefit are subject to surrender charges during the first 10 years.

This is not an insurance policy. It is intended only to provide a general description of Alfa Insurance® and/or its product lines and services. An actual policy contains the specific details of the coverages, conditions and exclusions. Your Alfa® agent can explain the policy and benefits and answer any questions you may have before you buy.