Planning For The Future. Providing For Your Family.

Universal Life Insurance


Universal life insurance is designed to help you take advantage of lifetime coverage with competitive rates while allowing you to build cash accumulation value.

Additionally, it offers flexibility in two important ways: the death benefit and premium payments.1 Once you determine the amount of coverage you desire, we can modify the death benefit and premium payments to fit your specific objectives.

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We offer two types of universal life insurance products to better meet your needs.

LifeTime Universal Life Insurance

LifeTime Universal Life Insurance might be right for people who:

  • Possess sufficient assets for expected and unexpected expenses
  • Desire to leave a financial legacy for their heirs or favorite charitable organization
  • Are preparing for retirement or are retired
  • Have adequate income to live comfortably in retirement

LifeTime Universal Life Insurance is specifically designed to help increase the value of an inheritance. When left as an inheritance, you are given control of who receives the benefit. The benefit can be passed on to loved ones or a favorite charity. Finally, the death benefit from a life insurance policy is generally not subject to income taxes.2

LifeTime Universal Life coverage begins at $25,000 and earns a competitive interest rate on premiums while building cash value over time. Loans may be taken out on the value of this policy at a fixed rate.3 Additionally, early access to benefits may be available with the Accelerated Death Benefit Endorsement if the insured should become terminally ill.4

Customize Your Policy

Adding riders to your policy gives you the ability customize your LifeTime Universal Life Insurance policy to meet your needs.

Disability Waiver of Premium Rider: Ensures your premiums will be waived while you are disabled, as defined in the rider.

Children’s Term Rider: Provides up to $20,000 of life insurance coverage per eligible child.

Accidental Death Benefit Rider: Provides an accidental death benefit to your beneficiary if you lose your life due to injuries sustained in a covered accident.

Accumulator Universal Life Insurance

Accumulator Universal Life Insurance might be right for people who:

  • Want to get permanent life insurance protection with flexibility
  • Want to earn a competitive interest rate on their premiums
  • Are looking for a responsible way to save for the future for loved ones
  • Need funds to cover education expenses or supplement retirement benefits

Accumulator Universal Life Insurance offers permanent life insurance protection to help you with your present needs, plus a cash value accumulation feature that can provide much-needed funds later in life.

Accumulator Universal Life Insurance coverage begins at $25,000. This policy offers a competitive interest rate on premiums and builds cash value over time. Additionally, policyholders are able to decide the type of death benefit that will be paid to the beneficiary. In times of financial strain, flexible premiums allow you to temporarily suspend your premiums.4 Early access to funds is also available if you should become terminally ill.5

Customize Your Policy

Adding riders to your policy gives you the ability to customize your Accumulator Universal Life Insurance policy to meet your needs.

Waiver of Monthly Deductions Rider: Ensures your monthly deductions will be waived while you are disabled, as defined in the rider.

Children's Term Rider: Can provide up to $20,000 of life insurance coverage per eligible child.

Accidental Death Benefit Rider: Provides an accidental death benefit to your beneficiary if you lose your life due to injuries sustained in a covered accident.

It's never too early or too late to begin. Call 877.595.5873 or find a local AAA Life Insurance Specialist today.

Call 877.595.5873

Can Life Insurance Help Better Your Future?


1. The death benefit assumes that premiums are paid when due.

2. Under current tax law. AAA Life Insurance Company and its specialists do not provide legal or tax advice. You may wish to consult independent legal, tax or financial advice prior to the purchase of any policy.

3. Benefits may be reduced by any loans on the policy less debt.

4. Provided there is sufficient cash surrender value to cover the monthly costs and fees.

5. If you are diagnosed with a terminal illness with a life expectancy of 12 months or less, you may request to receive up to 50% of the policy’s death benefit or $500,000, whichever is less. Life expectancy duration varies by state. Requires medical evidence. The remaining benefits payable at death will be reduced by the amount of the Accelerated Death Benefit paid and any accrued and unpaid interest. If you receive an Accelerated Death Benefit amount, we will deduct a processing fee of $75. Benefit may not be available in all states.

Lifetime Universal Life Policy Form Series: ICC10-4601, UL-4601; Accumulator Universal Life Lifetime Universal Life Policy Form Series: ICC10-3601, UL-3601. This is a summary of insurance provisions and does not contain all of the benefits and exclusions. For complete terms of the insurance coverage, please contact your insurance professional or refer to the policy. ALAN-21029-813-XX.

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