Universal life insurance is a type of permanent life insurance. This life insurance offers protection for your family and strategies for leaving a legacy to them. It can also help small business owners with continuation planning. If you have any insurance query, contact us at 65 9455 4295 Or Visit our office at 10 Ava Road, Singapore 329949.

2. 
Universal Life Insurance provides the owner the flexibility to provide income
replacement for the owner’s spouse and family. Universal Life Insurance helps
the owners to decrease their premium outlay to a minimum or even zero.

3. 
Universal Life Insurance provides certain advantages like Premium Amount,
Break Even Year, Financing Rates, First Day Cash Value, Surrender Value, Credit
Rating of Insurer and many more. Universal life offers flexibility in the amount,
method, and timing of premium payments.

4. 
No one can run away from the
surprises of life, but we can
definitely make adjustments.

Universal Life helps You during
Your hour of need.

5. 



Protection
Liquidity
Tax Relief
Money when you need it

6. Term Life Insurance
• Increasing/Decreasing term policies
• Convertible Term Assurance Policy
• Level Term Life Insurance
• Renewable term life Insurance

Endowment Insurance
◦ Joint life endowment plan
◦ Money back endowment plan
◦ Marriage endowment plan

Permanent (Whole) Life Insurance
◦ Ordinary whole life plan
◦ Limited payment whole life plan
Unit Linked Plans

7. 
Sum assured is payable only in the event of death during the term.

In case of survival, the contract comes to an end at the end of term.

Premium Outlay - Paid yearly till coverage ceases.

Maximum Coverage Term - Till Age 99

No refund of premium

Non-participating policies

Low premium as only death risk is covered.

8. 

Endowment insurance plans is an investment oriented plan which not only
pays in the event of death but also in the event of survival at the end of the
term.
Is a contract underwritten by a life insurance company to pay a Fixed term
plus Accumulated profits that are declared annually.

9. 
Whole life plans are another type of
endowment plan, which cover death
for an indefinite period.

When the policy holder dies, the face
value of the policy, known as a death
benefit, is paid to the person or
persons named in the life insurance
policy.

It can be with or without profits.

10. 
Insurance companies have started offering risk cover plans like limited
payment whole life, and endowment assurance plan from the age of
12years and money back plan from age of 13 years (completed).

New plans have been specifically designed for children where the risk of the
child starts much earlier say 7 years.

11. 
Builds Cash Value

One of the key advantages of
Universal Life Insurance Plan is that
it builds cash value overtime

No Lapse Option

There is a ‘no lapse guarantee’ as
long as certain minimum premium
payment is paid at a certain period.

12. 
It has emerged as one of the fastest growing insurance products.

It is a combination of an investment fund( such as mutual fund) and an
insurance policy.

14. Contact Us
Universal Life Singapore
10 Ava Road, Singapore 329949
Phone: 65-9455-4295
Email: equiry@universallife.com.sg
http://universallife.com.sg