Flexible coverage... lasting benefits

Heritage UL


Cincinnati Life's Heritage UL gives your clients between the ages of 18 and 80 the flexibility to choose the amount of universal life protection that best fits their needs. Whether covering final expenses or providing a lasting legacy for surviving family, flexible death benefit amounts and premiums make it ideal for keeping pace with changing life circumstances.

  • Cash accumulation permanent universal life insurance
  • Competitive cost of insurance rates
  • 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 builds with competitive interest rates
  • Premium flexibility and access to cash value
  • Ability to increase coverage down the road
  • 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 an adult policy that is within the first five contract years.



Learn more about Cincinnati Life advantages and other available products.

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