Universal Life Insurance

Guaranteed UL, Universal Life Insurance, gives you the security of Whole Life Insurance with the flexibility and lower premium rates of Term Life Insurance.
Universal Life is life insurance offering the low-cost protection of term life insurance as well as a savings element (like whole life insurance) which is invested to provide a cash value buildup. The death benefit, savings element and premiums can be reviewed and altered as a policyholder's circumstances change. In addition, unlike whole life insurance, universal life insurance allows the policyholder to use the interest from his or her accumulated savings to help pay premiums.

Every person has different circumstances and those create individual needs.  The best way to become informed about what will best suit your needs is to be advised by someone who knows and cares.  Contact Michelle for a free consultations: michellejacobyinsurance@gmail.com or 973.590.0640.