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Ultra Life® Universal Life Insurance

Ease your uncertainty about your family’s future by helping to protect them with this permanent policy with flexibility to adjust coverage as needs change.
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Why Choose Ultra Life?

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. Ultra Life offers a death benefit that can be guaranteed throughout a lifetime — even past age 1002. 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.

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-deferred4

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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.
  • 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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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.

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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.


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1 Life insurance policy guarantees are subject to the timely payment of premiums. 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. Cash value may take years to accumulate, unless a large premium is paid up front. 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.