Flexible coverage... lasting benefits

Heritage UL


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.


  • 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

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.



Learn more about Cincinnati Life advantages and other available products.

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