Life Insurance Coverage Portfolio
Universal Life Insurance
Flexible permanent coverage allowing you to adjust monthly premium payments and death benefit amounts as your life circumstances evolve.
Regulated Rates from $55/mo
Licensed Counselor Included
Zero Brokerage Markups
Guaranteed Rate Lock
Starting at $55/mo
Or call toll-free: 1-800-555-OPTAVISE
Core Coverage Benefits & Protections
Flexible payment schedule that adjusts to your household cash flow
Adjustable death benefit amounts (Option A Level or Option B Increasing)
Competitive interest crediting rates on accumulated cash reserves
Tax-sheltered growth under IRS Code Section 7702
Full surrender and partial cash withdrawal flexibility
Structured Plan Comparison Options
| Plan Level | Coverage Target | Living Benefits | Underwriting | Action |
|---|---|---|---|---|
| Standard SelectPure Protection | $100,000 – $250,000 | Terminal Illness | 24–48 Hr Simplified | |
| Preferred PlusMost Popular | $250,000 – $750,000 | Chronic & Disability Waiver | Instant Accelerated E-Sign | |
| Premier LifetimeMaximum Wealth Defense | $750,000 – $2,000,000+ | All Living Benefits + AD&D | Counselor Guided |
Available Policy Riders & Living Add-Ons
Overloan Protection Rider
Living Needs Accelerated Death Benefit
Lapse Protection Guarantee
Spousal Term Add-On
Instant Universal Life Insurance Rate Check
Calculate regulated benchmark rates for your age.
Assigned Specialist
Sarah Jenkins
Senior Benefits Counselor
“Have questions on medical underwriting, pre-existing conditions, or state rate locks? I'm available for a free consultation.”