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LifeTime Universal Life

Provides a lifetime death benefit that allows you to leave a legacy to your loved ones.

Is LifeTime Universal Life insurance right for you?

LifeTime Universal Life insurance is specifically designed to help you increase the value of the inheritance you leave and assure your legacy is preserved.  If you have adequately prepared for your retirement and are now focusing on leaving an inheritance, this type of permanent life insurance is a good way to help protect your assets for your beneficiaries.

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

How Does Our LifeTime Universal Life insurance work?

It offers the protection of permanent life insurance by providing a guaranteed death benefit. This coverage allows you to leave a death benefit as an inheritance and control who receives it. Unlike many of the financial vehicles used to accumulate wealth, a LifeTime Universal Life insurance policy provides you with an efficient way to leave proceeds to your loved ones or favorite charity. Also, the death benefit from a life insurance policy is generally not subject to income taxes.1

There are many key benefits of this permanent life insurance.

  • Coverage amounts start at $25,000
  • Builds cash value with policy loans available2
  • Provides a more efficient way to leave money to loved ones
  • Earns a competitive interest rate on premiums
  • Allows early access to funds if the insured should become terminally ill3

Customize your LifeTime Universal Life insurance policy

We also offer you the option to customize your policy with a variety of riders. Here are a few that can be added to your policy:

  • 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 child.
  • Accidental Death Benefit Rider - Provides an accidental death benefit to your beneficiary if you lose your life due to injuries sustained in an accident.

Call 1-855-880-5750 to speak to a Life Insurance Specialist today.

Disclaimers & Disclosures

1Under current tax law. AAA Life Insurance Company and its agents 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.

2Benefits may be reduced by any loans on the policy less debt.

3If 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. Benefit may not be available in all states.

Policy Form Series: ICC10-4601, UL-4601

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-19653-811-XX