Universal Life Insurance – Protection Plus Financial Investments

Universal life insurance is permanent life insurance with an added investment component that allows you to build tax-free cash value with your policy. This is a popular type of life insurance because it offers cash value, flexible protection, affordable premiums and various tax advantages.

Universal Life Insurance Policies Differ from Whole Life Plans

Unlike whole life insurance, universal life insurance doesn’t offer a guaranteed rate of return; however, the premiums for universal life insurance policies are lower than that for whole life plans. Though the rate of return on the cash value portion is not guaranteed, you can rest assured that experienced investment professionals manage these savings and investment components.

Is a Universal Life Insurance Policy Right for You?

With many options available for life insurance, you need someone on your side to help you make the right decisions. At HDF, we will work for you! We listen to your needs and goals and shop our extensive network of providers to compare and find your best option for all types of insurance.


Let us be your insurance consultant as you journey through life’s stages.
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