Universal Life Insurance
When clients need long-term protection with flexibility, universal life can be the right fit. Whether it's for cash value accumulation or guaranteed premiums/death benefit, The Stamm Agency, will help you compare products, understand funding options, and present clear choices your clients can feel good about.
Frequently Asked Questions
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What is universal life insurance?
Universal life insurance is a type of permanent life insurance that offers lifetime coverage along with flexible premiums and cash value potential.
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What does “guaranteed death benefit” mean?
With GUL, the policy guarantees a death benefit for the client’s lifetime—as long as premium requirements are met—regardless of cash value performance.
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When should I recommend universal life over term?
UL is a good fit when your client needs coverage beyond a term period or wants to address estate planning, business continuation, or legacy goals.
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How do different carriers structure UL policies?
Each carrier varies in cost structure, guarantees, and optional riders. We help you compare side-by-side so you can recommend confidently.
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Can universal life be used in advanced planning strategies?
Yes. Universal Life can play a role in wealth transfer, business planning, and charitable giving. We can assist with case design and illustrations.
Long-Term Coverage. Clear Choices.
We’ll help you match the right universal life product to your client’s needs—without overcomplicating the process.
