Back to top


Universal Life Insurance

A flexible policy for your family's future

If you want lifelong coverage, but with flexibility down the road, universal life insurance may be a good option. It's life insurance designed to provide protection for the rest of your life while building cash value. This type of permanent life insurance also offers:
  • Death benefit protection

    As long as you pay the sufficient premiums, your protection never ends.

  • Built-in flexibility

    You can increase or decrease your death benefit to meet your changing financial needs so long as sufficient premium is paid to keep the policy in force.1

  • Expanded cash value options for certain policies

    Some universal life policies provide that the cash value can be linked to the broad performance of stock market index funds, but with limits on how much you can gain or lose. Or, you can choose a guaranteed annual return option. It even offers flexibility to have a combination of both.

Family at table.

Interested in universal life insurance?

Our dedicated life insurance experts can walk you through the process.

Call 800-497-7970 to quote and buy

Related resources

1Increases in benefits are subject to underwriting approval. Changes to benefits can have income tax consequences. Consult a tax advisor for additional information.

This life insurance information is provided for general consumer educational purposes and is not intended to provide legal, tax or investment advice. Allstate life insurance issued by Allstate Life Ins. Co. & Allstate Assurance Co., 3075 Sanders Rd, Northbrook IL 60062; American Heritage Life Ins. Co., 1776 American Heritage Life Dr., Jacksonville FL 32224. In New York, life insurance issued through Allstate Life Insurance Company of New York, Hauppauge NY. Life insurance also offered and issued by third party companies not affiliated with Allstate. Each company is solely responsible for the financial obligations accruing under the products it issues. Product guarantees are backed by the financial strength and claims-paying ability of the issuing company.

Securities offered by Personal Financial Representatives through Allstate Financial Services, LLC (LSA Securities in LA and PA). Registered Broker-Dealer. Member FINRA, SIPC. Main Office: 2920 South 84th Street, Lincoln, NE 68506. 877-525-5727. Check the background of this firm on FINRA's BrokerCheck website (https://brokercheck.finra.org).

ECC Monitor: OK