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Cowart Insurance Agency Blog

All You Ever Wanted to Know About Insurance

Are you struggling to find a Life Insurance policy?

Are you struggling to find a life insurance policy that fits your needs? Our agency may have an option for you.

Some major life changes are unexpected and can impact how much life insurance coverage you may need. A universal life policy is personalized to fit your needs and has the flexibility to change with whatever life throws at you. With a universal life policy: 

  • You can have your policy structured around what you are comfortable spending, meaning you are able 
  • You also have the option to skip a premium payment without putting the policy in jeopardy of lapsing, as long as you have cash-value accumulation to fund the policy. 
  • You can structure a universal life policy as a term or a permanent product, or you can create a custom structure just for you. 
  • You have the ability to decrease or increase your benefit amount to fit your needs (subject to underwriting).