Voluntary Universal Life with Long Term Care

Universal life is a more comprehensive form of life insurance than term. Premiums are level vs. the five-year age banded rates available for voluntary term. Universal also builds cash value in addition to providing a death benefit. The universal life benefit that Sirius offers automatically comes with an accelerated benefit rider for long term care expenses. There are also many benefits included in universal that are not available with term. Some of those features include:

  • Automatic face amount increase rider
  • Accidental death & dismemberment
  • Waiver of premium if disabled
  • Child level term rider
  • Option of a 10 or 20 level term rider
  • Waiver of deduction due to layoff rider.

The information provided within is only a summary of the available plan designs. Certain underwriting restrictions and age limits do apply. The policy issued to the policyholder and the accompanying certificates fully describe coverage and the benefits that do apply.

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