Our Family of Companies
western & southern financial group
western & southern life
columbus life insurance company
eagle realty group
fort washington investment advisors
gerber life insurance
integrity life insurance company
lafayette life insurance company
national integrity life insurance company
touchstone investments
western & southern financial group distributors
Family playing tug of war

Ultra Life® Universal Life Insurance

Ultra Life Universal Life Insurance may be a practical solution to provide protection for an entire lifetime1 with the flexibility to adjust coverage as needs change. This policy may build cash value, which grows tax-deferred and can be used during your lifetime. Additionally, the Extended No-Lapse Guarantee Rider guarantees the policy will be available to beneficiaries when they need it, as long as premium requirements are met. Ultra Life offers a death benefit that can be guaranteed throughout a lifetime — even past age 1002.

Benefits of Ultra Life Universal Life Insurance

We understand that it's a challenge to find time to plan for the future, but protecting yourself and your family is important. Ultra Life can help give you the peace of mind you need. Some additional benefits include:

  • Permanent protection to cover a family
  • Ability to increase or decrease coverage through life3
  • Policy builds cash value, which grows tax-deferred
Or
Give us a call 866-832-7714 866-832-7714

Could This Universal Life Policy Be Right for You?

Ultra Life's flexibility and competitive cash value accumulation features may benefit a variety of situations and life stages. You might want to consider universal life insurance if:

  • You want to leave a legacy to your family or charitable organization in the form of a life insurance death benefit.
  • You've just welcomed your first child. You may want to provide life insurance to help protect your family, while also building cash value you can access and put toward tuition when it's time for your child to attend college.
  • You might retire soon.
  • You just started a business partnership. Should one of you pass away unexpectedly, you want to help ensure the surviving partner has the financial means to continue the business.
Calculate My Needs

Details About This Universal Life Insurance

Ultra Life helps meet protection needs, whether large or small. Choose a level death benefit or a death benefit that increases along with the policy's cash value. This policy provides flexibility to increase or decrease coverage through life3.

This policy could protect for an entire lifetime. After death, the death benefit selected will go to the beneficiary to use as they see fit — such as paying off a mortgage, funding a child's education, supporting a favorite charity or simply helping the family maintain their lifestyle.

Premiums paid on an Ultra Life Universal Life policy build cash value, which grows tax-deferred and can be used during a lifetime. Cash value built can help fund a major purchase, be withdrawn or be borrowed against through an interest-bearing policy loan to help in times of emergency or special need4.

Explore Additional Resources

Consider Ultra Life

Learn about our flexible premium universal life insurance, and determine if it's the best choice for you.

DOWNLOAD BROCHURE

Learn More About Life Insurance

We can help insure the ones you love. Life insurance can help keep your financial life on track.

PLAY VIDEO

Join Our Newsletter

Receive timely lifestyle, financial and how-to information as well as personalized offers and tips.

SUBSCRIBE TODAY
Or
Give us a call 866-832-7714 866-832-7714
IMPORTANT DISCLOSURES

1 Life insurance policy guarantees are subject to the timely payment of premiums. Loans and withdrawals will reduce the death benefit. As long as the no-lapse guarantee is in effect, the policy is guaranteed not to lapse.
2 The Extended No-Lapse Guarantee rider must be selected. By paying only the No-Lapse Guarantee Minimum Monthly Premium you may be forgoing the opportunity to build a higher Account Value. Withdrawals, loans and late payments may require that additional premium be paid to keep the No-Lapse Guarantee active. You may need to make significant additional premium payments after the No-Lapse Guarantee expires to keep your policy in force. Non-payment of the Minimum Monthly Premium, or changes to the Specified Amount or Death Benefit Option may also cause a loss of the No-Lapse Guarantee feature.
3 Increases in coverage are subject to underwriting based on health and other factors.
4 Assumes the policy is not a modified endowment contract, the withdrawals do not exceed cost basis, and the policy does not lapse. Loans will accrue interest. Loans and withdrawals may generate an income tax liability, reduce the account value and the death benefit, and may cause the policy to lapse. Sufficient premium and account value are necessary to cover insurance costs and charges. 

Flexible Premium Adjustable Life Insurance Policy series ICC18 1808-4000 WSA, Extended No-Lapse Guarantee Rider 0807-1565 WSA issued by Western-Southern Life Assurance Company, Cincinnati, Ohio, operates in DC and all states except NY.

These policies and benefits may not be available in all states, and benefits may vary by state.

Payment of benefits under the life insurance policy is the obligation of, and is guaranteed by, the issuing company. Guarantees are based on the claims-paying ability of the issuer. Products are backed by the full financial strength of the issuing company.

Life insurance policies contain certain exclusions, limitations, reductions of benefits and terms for keeping them in force. Please contact a financial representative for complete details.

Life insurance products are not bank products, are not a deposit, are not insured by the FDIC, nor any other federal entity, have no bank guarantee, and may lose value.