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Universal term is a type of flexible term insurance contract. Similar to, and actually a variation of, universal life insurance, it allows the policyholder to set up a customized pattern of premiums and face amounts. The insurer also may allow changes after issue, within limits.
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Life insurance policies described, quoted, shown and illustrated throughout this website are not available in all states and may include those issued by: Life insurance policies described, quoted, shown and illustrated throughout this website are not available in all states and may include those issued by: American Family Life Insurance Company, Madison, WI; American General Life Insurance Company, Houston, TX and The United States Life Insurance Company in the City of New York, NY, both AIG companies; American National Insurance Company, Galveston, TX; American National Insurance Company of New York, Glenmont, NY; Assurity Life Insurance Company, Omaha, NE and Assurity Life Insurance Company of New York, Albany, NY; Banner Life Insurance Company, Frederick, MD, and William Penn Life Insurance Company, Garden City, NY, both Legal & General America companies; Boston Mutual Life Insurance Company of Boston, MA; Columbian Life Insurance Company, Chicago, IL and Columbian Mutual Life Insurance Company, Binghamton, NY, both members of Columbian Financial Group of Binghamton, NY; Fidelity Life Association, A Legal Reserve Life Insurance Company, Oak Brook, IL; Globe Life Insurance Company of New York, Syracuse, NY; Gerber Life Insurance Company, White Plains, NY; Globe Life and Accidental Insurance Company, Omaha, NE, a holding company of Torchmark Corporation, McKinney, TX; Foresters Financial, Buffalo, NY; John Hancock Life Insurance Company (USA), Boston, MA; Lafayette Life Insurance Company, Cincinnati, OH; Lincoln Life & Annuity Insurance Company of New York, Syracuse, NY and The Lincoln National Life Insurance Company, Fort Wayne, IN, both insurance company affiliates of Lincoln National Corporation, whose marketing name is Lincoln Financial Group; Minnesota Life Insurance Company of St. Paul, MN and Securian Life Insurance Company of St. Paul MN, both part of the Securian Life Insurance Company of St. Paul MN; Mutual of Omaha Insurance Company, Omaha, NE, United of Omaha Life Insurance Company, Omaha, NE, and Companion Life Insurance Company, Hauppauge, NY all Mutual of Omaha affiliate companies; North American Company for Life & Health Insurance, West Des Moines, IA; Pacific Life Insurance Company, Omaha, NE; Penn Mutual Life Insurance Company, Horsham, PA; Principal Life Insurance Company, Des Moines, IA; Protective Life Insurance Company and Protective Life and Annuity Insurance Company, Birmingham, AL; Pruco Life Insurance Company, Newark, NJ and Pruco Life Insurance Company of New Jersey, Newark, NJ, member companies of Prudential Financial, Inc., Newark, NJ; Sagicor Life Insurance Company off Austin, TX a member of the Sagicor Financial Corporation of Austin, TX; The Savings Bank Mutual Life Insurance Company of Massachusetts, Woburn, MA and Centrian Life Insurance, Woburn, MA (SBLI and The No Nonsense Life Insurance Company are registered trademarks of The Savings Bank Mutual Life Insurance Company of Massachusetts, which is in no way affiliated with SBLI USA Mutual Life Insurance Company, Inc.); Transamerica Financial Life Insurance Company, Harrison, NY, and Transamerica Life Insurance Company, Cedar Rapids, IA, both AEGON companies; United American Insurance Company, McKinney, TX.
