Universal Life Insurance
Enjoy flexible premiums and cash value growth
with universal life insurance, providing both a death benefit and financial adaptability for your future needs.
Whole Life vs. Universal Life Insurance
Whole Life Insurance
Whole life is permanent insurance — you’re insured throughout your lifetime, or until the policy matures, as long as you continue to pay your premiums per terms of the contract. And those premiums will stay level as long as the policy remains in force. Over time, permanent insurance typically accumulates a cash value that can be accessed1 for a variety of purposes while you’re still alive.
Universal Life Insurance
Universal life insurance offers a unique blend of lifelong coverage and adjustable premiums, allowing you to tailor your policy to meet your evolving financial needs. With its investment savings component, this type of permanent life insurance not only provides a death benefit but also builds cash value over time, making it a versatile choice for those looking to secure their family's future while managing their financial goals.
When it comes to life insurance, there’s no such thing as “one size fits all.” Everyone has different needs, goals and financial considerations. That’s why coverage comes in a variety of forms, with a range of features you can tailor to your unique situation:
Your family is young and growing, so you may be juggling a mortgage, auto loans and childcare costs. While your expenses may continue to expand over time, you may want an affordable life insurance policy that helps you plan for your family’s financial future until the kids are grown and the house is paid off.
You’re single and have no children. The death benefit proceeds from your life insurance policy may help support obligations such as the costs of your personal debts, medical bills or final expenses — and may also help leave a legacy to someone you love or a favorite charity.
Your Farmers agent can explain your options, along with information about riders3 like:
Disability riders that may help pay your policy’s premiums, and may supplement your lost income, if you’re disabled. An accelerated death benefit rider that lets you collect a portion of the policy’s death benefit if you become terminally ill with a short life expectancy. A critical illness rider that pays a lump sum to you if you’re diagnosed with one of several specified critical illnesses such as cancer, heart attack or stroke.
LET ME GET HELP YOU
with the best insurance coverage
GET YOUR FREE QUOTE NOW!
No binding commitment, completely FREE!
(281) 660-8741
1800 West Loop South Ste 1700
Houston, TX 77027
