Universal Life Insurance

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Universal Life Insurance: Flexible, Permanent Protection

Why Universal Life Insurance?

Universal Life Insurance from Mutual of Omaha offers a blend of lifelong coverage and

adaptability. It allows you to adjust premiums and death benefits, and accumulate cash value tax-deferred, suiting various life stages and financial goals.

Permanent Insurance could be right for you if:

You want lifelong protection for your loved ones from the financial impacts of your passing.

You value the potential to build cash value for future needs like college funding or emergencies.

You need the flexibility to adjust your payments and death benefit amount.

You are looking for additional retirement savings options beyond IRAs or 401(k)s.

Key Features of Universal Life Insurance

Permanent Coverage

Enjoy peace of mind with coverage that lasts a lifetime as long as premiums are paid.

Accelerated Death Benefits

Access part of your death benefit early in case of terminal or chronic illness.

Tax Advantages

Benefit from an income tax-free death benefit and the potential for tax-deferred cash value growth and tax-free policy loans/withdrawals.

Flexible Premiums and Benefits

Tailor your premium payments, payment frequency, and death benefit amount to fit your changing life.

Life Protection Advantage - Indexed Universal Life + Rider

Guarantees death benefit coverage through age 90, with potential for greater cash value growth. Includes downside protection and flexible options like accessible cash value and added benefit riders.

Income Advantage - Indexed Universal Life + Rider

Emphasizes cash growth, tied to market index performance, with downside protection and the potential for significant future income.

AccumUL Answers - Universal Life -- Focuses on robust cash accumulation using a declared interest rate, ensuring guaranteed earnings of at least 2% annually.