CUSTOMIZE YOUR LEGACY
Cincinnati Life's Heritage UL gives your clients between the ages of 0 and 80 the flexibility to choose the amount of universal life protection that best fits their needs. Whether covering final expenses or providing a legacy for surviving family, flexible death benefit amounts and premiums make it ideal for keeping pace with changing life circumstances.
KEY FEATURES
- Permanent universal life insurance
- Guaranteed insurability to age 121
- Five-year no lapse guarantee period
- Tax-deferred cash value accumulation
The key to the policy’s flexibility is the cash value. Cash value is based on premiums – less expense charges and monthly deductions – that accumulate with interest.
- Both level and increasing death benefit options
- Stable cash value build
- Premium flexibility and access to cash value
- Ability to increase coverage down the road with proof of insurability
- Access to advanced death benefit payments with the addition of the Chronic Illness Rider
CONVERSION OPTION
You can offer your clients the option to convert an existing term policy to a permanent plan of protection. Use Heritage UL when converting coverage for a policy that is within the first five contract years.
CONSUMER MATERIALS
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Learn more about Cincinnati Life advantages and other available products.