Back to top
  Try Smart Search An intelligent search tool to help you find the info you're looking for. Try it now
< Start Over Welcome to Smart Search Quickly locate tools, tips, resources, insurance information and more. Smart Search For example: car insurance tips or common claims Popular Searches


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 offering flexible payments and 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. Plans start as low as $91.56/mo for $100,000 of coverage.1

  • Expanded cash value options

    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.

  • Built-in flexibility

    You can increase or decrease your death benefit, as well as adjust your premium payments to meet your changing financial needs.

Video: Universal Life Made Simple

Family at table.

Interested in universal life insurance?

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

Find an agent to quote and buy

Related resources

Agents are Here to Help Near
1The monthly rate shown is for Preferred Elite based on a Male, age 37. Allstate Lifetime UL® is a flexible premium universal life insurance policy issued by Allstate Assurance Company, 3075 Sanders Rd., Northbrook IL 60062 and is available in most states with contract series AC13-12. In New York, issued by Allstate Life Insurance Company of New York, Hauppauge, NY with contract series NYLU676.

Life insurance offered through 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 offered through Allstate Life Insurance Company of New York, Hauppauge NY.

Rates quoted are subject to change and are set at the company's sole discretion. Rates for other underwriting classifications would be higher. Further underwriting restrictions may apply. Other face amounts and guaranteed premium terms are available but will have different rates than those shown here. Premium may be paid annually, semi-annually, quarterly or monthly; premium paid may differ based on payment mode selected. A medical exam may be required depending on age, health or amount of coverage requested.

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

ECC Monitor: OK