Williams Insurance Advisers, LLC

Universal life (UL) insurance is a form of permanent life insurance with an investment savings element plus low premiums. The price tag on universal life (UL) insurance  is the minimum amount of a premium payment required to keep the policy. It is also called adjustable life  insurance               because of the flexibility it offers. You have the liberty to reduce or increase your death benefit and pay your premiums at any time in any amount (subject to certain limits) once there is money in the account. If seeking a flexible way to help protect your loved ones and build tax-deferred cash value, a Universal Life policy may be what you need.