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Get the Best of Both Worlds

Universal Life Insurance offers the permanent coverage you may need with the flexible premiums you want.

Universal Life Insurance Offers You Permanent Coverage With Freedom of Choice

Universal life insurance offers the best of two worlds — a set amount of coverage with tax-deferred cash accumulation based on current interest rates. This permanent insurance generally provides lower premiums for those people who have life insurance needs that may change in the future, or who desire the cash value build-up universal life policies can provide.

While Universal life insurance policies maintain certain guarantees, they provide benefits that are based on current actuarial assumptions and market conditions, which may change over time. Changes in these assumptions may require additional premium payments in order to meet your needs.

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Choose the Universal Life Policy That's Right For You

Some universal life products offer you the flexibility to design the product to meet your needs, with the ability to increase and decrease the amount of coverage or premium payments as your circumstances change. This flexibility can help you address a wide variety of financial needs.

Benefits Ultra Life® Protection Life
Flexible Premiums Amount owed adjusts as needs change
Cash Value Accumulation Cash you receive if you cancel the contract
Level Death Benefit Death benefit remains the same
Flexible Death Benefit Increases along with your policy's cash value
  Ultra Life Protection Life

How Much Life Insurance Do You Need?

Life insurance can be an important element of your overall financial strategy. Answer a few quick questions about your life situation to estimate how much coverage you might need.

Calculate My Life Insurance Needs

How Much Life Insurance Do You Need?

Figuring out how much life insurance to buy depends on your annual income and how long your family will need to rely on this income. You can quickly determine your coverage amount by answering three simple questions. For a more detailed analysis, try our advanced calculator, which takes into consideration your assets, debt, final expenses, childcare and education costs.
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Why Universal Life Insurance From Western & Southern? 

When you’re looking for permanent coverage and flexible premiums, you want universal life insurance from a company with a history of financial strength. With our solid financial ratings and 130 years of financial strength, Western & Southern has become one of the strongest life insurance groups in the world, offering you financial stability you can count on.

Flexible Premium Adjustable Life Insurance Policy series 0807-4001 WSA, 0807-4000 WSA issued by Western-Southern Life Assurance Company, Cincinnati, Ohio, which operates in DC and all states except AK, NH, NY and RI.

Flexible Premium Universal Life Insurance Policy series CL 85 0707, ICC10 CL 87 1006, Flexible Premium Survivorship Universal Life Insurance Policy series CL 89 0806, Flexible Premium Adjustable Life Policy with Indexed Options series ICC17 CL 88 1708 issued by Columbus Life Insurance Company which operates in the District of Columbia and all states except New York.

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.

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