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Ultra Life® Universal Life Insurance: Lasting, Flexible Coverage

Ultra Life Universal Life Insurance can be a practical solution to provide protection for an entire lifetime 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 100.

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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, affordable protection to cover a family
  • Ability to increase or decrease coverage through life
  • Policy builds cash value, which grows tax-deferred
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Could This Be the Right Solution 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'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 want to leave a legacy to your family or charitable organization in the form of a life insurance death benefit.
  • 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.
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Product Details

Ultra Life meets 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 life.

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 need.

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Consider Ultra Life

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


Learn More About Life Insurance

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


Draft Your Financial Game Plan

Remember three strong points about our company when you are drafting your financial game plan. 


Life Insurance Facts

84% of Americans would agree most people need life insurance, yet when asked, only 70% said they needed any. (Insurance Barometer Study Limra & Life Foundation 2017)

In the event of a tragedy, life insurance can help pay bills, continue a family business, finance children’s education and protect spouse’s retirement plan. (LIFE Happens, 2017)

If the primary wage earner died, 62% of families would immediately have trouble meeting everyday living expenses. 43% of families would have trouble meeting expenses after several months. (Trends in Life & Insurance Ownership Limra 2016)

One in Five households with children under age 18, have no insurance whatsoever. (Limra Facts About Life2016)

Over 100 million adults without life insurance in the United States (“2015 Insurance Barometer Study”, Ashley Durham, LIMRA and Life Happens, April 14, 2015)

7 in 10 U.S. households own life insurance on average the only own enough to replace their household income for 3 years (2016 Insurance barometer Limra)

Almost 45% of U.S. Households say they are likely to buy life insurance in the next 12 months. (Limra Facts About Life 2016)

43% of those age 25-44 are concerned with leaving dependents in a difficult situation should they die prematurely. (2015 Insurance Barometer Study, Life Happens and LIMRA)

Top three reasons for not having life insurance are: 66% say it’s just too expensive for them. 66% say other financial priorities take higher precedence. 54% feel they have as much as they need right now. (Insurance Barometer Survey, 2017)

We can help you insure the ones you love. Start Now.

Western & Southern Financial Group

The Western and Southern Life Insurance Company, Cincinnati, OH, operates in DC and all states except AK, CT, ME, MA, NH, NY, and VT. Western-Southern Life Assurance Company, Cincinnati, Ohio, operates in DC and all states except AK, ME, NH, NY, and RI.

©2017 Western & Southern Financial Group, Inc. All rights reserved.

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Draft Your Financial Game Plan

Draft Your Financial Game Plan With Us
Please see important information following this video. 

Hi, I am Cris Collinsworth and I am here to remind you of three strong points to keep in mind when you are drafting your financial game plan. 

First, financial strength is a key player.  The strength of Western and Sothern Financial Group speaks for itself.  Western and Southern has a heritage dating back to 1888, an impressive capital position, and stability demonstrated throughout challenging economic times.  

Second, is industry ratings.  The insurance companies that I am talking about are proud of their industry ratings, such as an A+ from A.M. Best and a remarkable 96 out of 100 Comdex ranking. 

Third, and just as important, is consistency.  Consistency that comes from steady deep-seeded conviction in our products and services. 

You just can’t beat this combination.

Western & Southern Financial Group

Products issued by member companies of Western & Southern Financial Group, Inc., Cincinnati, Ohio.

A.M. Best rating of A+ Superior for Superior ability to meet ongoing insurance obligations (second highest of 16 ratings; rating held since June 2009).

Comdex ranking of 96 out of 100.  The Comdex Ranking is a composite of the financial strength ratings as determined by Standard & Poor’s, Moody’s, A.M. Best, and Fitch ratings.  It ranks insurers on a scale of 1 to 100 (where 1 is the lowest) in an effort to reduce confusion over ratings because each rating agency uses a different scale.

Ratings are subject to change from time to time.  The ratings shown here are correct as of 01/31/2017.

Major rating agencies issue public ratings on the member insurance companies affiliated with Western & Southern.  Financial strength ratings apply to the individual member insurance companies affiliated with Western & Southern.

Life insurance and annuity products are not bank products, are not a deposit, are not insured by the FDIC or any other federal entity, have no bank guarantee and may lose value.

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Western-Southern Life Assurance Company, Cincinnati, Ohio, operates in DC and all states except AK, ME, NH, NY and RI. Flexible Premium Adjustable Life Insurance Policy series 0807-4000 WSA, Extended No-Lapse Guarantee Rider series 0807-1565 WSA issued by Western-Southern Life Assurance Company. These policies and benefits may not be available in all states, and benefits may vary by state. See your financial professional for product details and limitations.

Payment of benefits under the life insurance policy is the obligation of, and is guaranteed by Western-Southern Life Assurance Company. Guarantees are based on the claims-paying ability of Western-Southern Life Assurance Company. Products are backed by the full financial strength of Western-Southern Life Assurance Company.

Earnings and pre-tax payments are subject to ordinary income tax at withdrawal. Withdrawals may be subject to charges. Neither Western-Southern Life Assurance Company nor its agents, offer tax advice. The information provided is for educational purposes only. Interest rates are declared by the insurance company at annual effective rates, taking into account daily compounding of interest.

There must be enough cash value in the policy to cover monthly charges if a lower premium is paid than the amount selected at issue or if a premium payment is skipped. Additional premium payments may need to be made to keep the policy in force.

Policy Benefits in some cases are mutually exclusive. Loans, withdrawals, and advances will reduce the Death Benefit and Cash Surrender Value and may cause the policy to lapse. The lapse or surrender of a policy with an outstanding loan may result in taxable income.

Life insurance policy guarantees are subject to the timely payment of premiums.

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