![Happy older couple eating breakfast.](/-/media/feature/westernsouthern/hero/hero-form/happy-older-couple-eating-breakfast.jpg?rev=5393ad671eab497bb4f6e58d985712ab&la=en&h=600&w=980&hash=42401C5BDD5C2EF9D41561EE51F3D09DF24D1EE8)
What Is Universal Life Insurance?
Benefits of Universal Life Insurance
Control
Flexibility
Types of Universal Life Insurance Policies
Traditional Universal Life
Indexed/Fixed Indexed Universal Life
Examples of How Universal Life Insurance Coverage Works
![construction worker](/-/media/feature/westernsouthern/content-blocks/lefty-righty/construction-worker.jpg?rev=620a57de54414c7ba3e354e5e5d41c6f&la=en&h=200&mw=200&w=200&hash=E662E053704AC4287CA61441E103019963468373)
![newlywed couple planning](/-/media/feature/westernsouthern/content-blocks/lefty-righty/newlywed-couple-planning.jpg?rev=89dcc74bb66f4d9a884255a7f663b7f2&la=en&h=200&mw=200&w=200&hash=9693A79E8FCF249A41ACA1F3768902B4FAF063A2)
Get Your Universal Life Insurance Quote Today
![Father and daughter fishing](/-/media/feature/westernsouthern/products/table-module/father-and-daughter-fishing1.jpg?rev=6a2c3df691a8464982c246426e97ea50&la=en&h=487&w=991&hash=3615EBE740DD92504690AFE7F0C23241962F63CF)
Could Universal Life Insurance Be Right For You?
Benefits | Whole Life | Universal Life | Term Life |
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Guaranteed Lifetime Coverage
Coverage that lasts throughout your entire life as long as premiums are paid
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Instant Online Quotes
Preliminary instant quotes available to access your potential premium payouts and coverage if you qualify
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May Build Cash Value
Cash that grows tax-deferred and may be used during your lifetime
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Fixed Premiums
Same amount owed every time a payment is due
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Flexible Premiums
Adjustable premium and death benefit amounts when your needs change
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May Earn Dividends
Potential income from company profits at recurring times throughout the year. Dividends are not guaranteed
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Whole Life | Universal Life | Term Life |
Learn More About Universal Life Insurance
Why Western & Southern?
![](/-/media/feature/westernsouthern/content-blocks/supporting-grid/dependability-shield.png?rev=f867d141de894a76b27aae7c5cfa07cc&la=en&h=125&w=102&hash=8D80AAE4F7F392C4BB25A7FE9F90002AA4C4F0B2)
Financial Strength
![established 1888](/-/media/feature/westernsouthern/content-blocks/supporting-grid/est-1888.png?rev=f452958d28214f22a63aae04870fe00f&la=en&h=147&w=159&hash=39D4700F2563209B7D895955E71E2CC2016CAB01)