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What is Universal Life Insurance?

A universal life policy pays a death benefit whether you die tomorrow or live to be 100. Unlike term life insurance, which provides coverage for a specified period, universal life insurance policies offer a range of benefits beyond just a death benefit. These policies typically include a component that accumulates cash value over time, which can be used for a variety of purposes, such as retirement income or to leave a legacy for your heirs.

Is Universal Life Insurance Right For Me?

Universal life insurance with American Fidelity might be right for you if:

Nurturing Wealth and Personal Security through Universal Life Insurance

By choosing AmFi’s Future First Universal Life Insurance policy, you’ll not only build up a valuable cash reserve but also provide lasting protection and peace of mind for your loved ones, even when you’re no longer with them.

Accumulate cash value

With our Future First Universal Life Insurance policy, you will accumulate tax-free cash value over time. This cash can be used for a variety of purposes, such as loans or withdrawals. You can borrow these funds even if your credit is shaky.

Offers investment potential

Grow the value of your coverage and tax-free cash fund with guaranteed high interest rates. Our Future First Universal Life Insurance Policy offers a market-leading interest rate that outperforms other investment opportunities.

How to apply for Universal Life Insurance

It only takes a few steps to get Universal Life Insurance

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Connect with an Agent

Fill out the contact form below and one of our agents will customize a quote for you based on your unique goals.

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Complete The Application

Fill out the application. This will include a few questions about your health and lifestyle to ensure you’re eligible for the policy. 

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Get Instant Coverage

Once your coverage is approved, you can relax with peace of mind now that you are taking advantage of an excellent investment in your family’s financial future.

Talk to an Agent

Reach out to one of our dedicated agents who can provide you with comprehensive information on the array of benefits available, and guide you through the application process. This way, you can make an informed decision that aligns perfectly with your individual requirements.

Feel free to contact us at (850) 456-7401 for a complimentary quote, or simply complete our contact form, and we will be sure to get in touch with you at your convenience.

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What’s The Difference Between Term vs. Universal Life Insurance?

Don’t leave your loved ones’ future to chance. Start by understanding the differences to find the perfect plan

Term Life

Universal Life

Provides coverage for a limited time period (term)

Provides lifelong coverage

The most affordable form of life insurance

More expensive, but flexible payment options

Does not provide additional financial benefits while you’re living

Provides additional financial benefits, such as a tax-free cash accumulation at guaranteed interest rates

Rates may increase if you renew the policy at the end of the term

Rates will not increase as long unless you allow the policy to expire

Looking to boost your current Universal Policy?

Looking to Boost Your Current Universal Policy?

Add on a term life plan can help boost your coverage by up to $200,000.00

Why Choose American Fidelity?

We’ve built our business on a foundation of honesty, integrity, and trust, and we’re committed to upholding those values in everything we do.

Hassle-Free

Get approved online in under 10 minutes. No medical exams, no blood tests. Our goal is to make life insurance simple and accessible for you.

Flexible Coverage

We believe in giving you choices, so we offer flexible coverage options that can match your budget and specific needs.

Safe & Secure​

We take a systematic approach to investing in United States Government bonds and highly rated corporate bonds, making AMFI one of the strongest and most stable insurance companies in America.

Appreciation For Our Military

We are proud supporters of our Armed Forces, and have been insuring the highest-at-risk members of our military since 1956.

Family First

We know what it means to protect your family. We will help protect yours, even if you can’t.

Expert Advice

Our experienced team is here to help you with any question, big or small.

Why Choose American Fidelity?

We’ve built our business on a foundation of honesty, integrity, and trust, and we’re committed to upholding those values in everything we do.

Hassle-Free
Hassle-Free
Read More
Get approved online in under 10 minutes. No medical exams, no blood tests. Our goal is to make life insurance simple and accessible for you.
Flexible Coverage
Flexible Coverage
Read More
We believe in giving you choices, so we offer flexible coverage options that can match your budget and specific needs.
Safe & Secure​
Safe & Secure​
Read More
We take a systematic approach to investing in United States Government bonds and highly rated corporate bonds, making AMFI one of the strongest and most stable insurance companies in America.
Appreciation For Our Military
Appreciation For Our Military
Read More
We are proud supporters of our Armed Forces, and have been insuring the highest-at-risk members of our military since 1956.
Family First
Family First
Read More
We know what it means to protect your family. We will help protect yours, even if you can’t.
Expert Advice
Expert Advice
Read More
Our experienced team is here to help you with any question, big or small.

Frequently Asked Questions

FAQ

Term life insurance provides coverage for a specific period and offers a death benefit if you pass away during the term. Universal life insurance, on the other hand, provides lifelong coverage and offers a death benefit alongside the potential to accumulate cash value.

Most adults who are in good health can apply for life insurance. Adults under the age of 59 are eligible for universal life insurance policies, universal policies, only individuals between the ages of 20 and 50 are eligible for term policies. You may not be eligible for life insurance if you have cancer, heart conditions, or other life-threatening medical conditions or lifestyle habits.

Absolutely! We pride ourselves on being there for you when you need us. We process claims in less than 24 hours and typically have the cash in your bank account within 3 days.

Members with SGLI coverage have two options if they want to convert their life insurance after their service ends. The first option is that they can convert their SGLI to VGLI, a renewable term insurance that has no cash value that builds over time, may require a health exam to get coverage, and has premiums that can increase over time, making it a more expensive option as time goes on. The second option is that they can convert their SGLI to an individual commercial policy with providers like American Fidelity. American Fidelity’s coverage is meant to provide a more permanent alternative that keeps your costs low and provides full benefits.

SGLI is issued to active-duty service members, and once these service members are discharged, they have 120 days during the military separation period to transfer to either VGLI or a commercial permanent policy. Additionally, Retired Reserve soldiers are typically not eligible for SGLI and must convert to one of these options. You cannot convert to both VGLI and individual commercial life insurance at the same time, you must choose one. Converting your SGLI to a VGLI policy can be cost-effective at first, but over time it doesn’t provide any living benefits and grows more expensive as you grow older. Our life insurance policy allows you to stay covered at a fixed rate. If you choose to convert to VGLI at first, you may still be able later convert to a permanent individual commercial policy with AmFi depending on your health status.  

To be eligible for VGLI, you must have had part-time SGLI in the National Guard or Reserve and suffered an injury on duty that makes everyday tasks difficult, leading to disqualification for standard premium rates, or you must have had SGLI during active duty, and are within 1 year and 120 days of release, retirement, or being assigned to the Temporary Disability Retirement List (TDRL). To convert from SGLI to an individual permanent insurance policy with providers from participating companies like AmFi, you must also convert within 120 days of the date of separation from the military. 

Policies start at $9 per month. The exact amount you pay each month (your premium) is determined by your choices in the coverage amount and length of term, as well as your age, health, and lifestyle choices. 

No. With our 5, 10, and 20-year term policies you will be charged the same amount every month for the duration of your policy. When the policy expires, your rate may change based on age and insurability at that time.

We sure do. We don’t advise canceling your policy because your coverage will lapse, but if you cancel within the first 30 days, then we will issue you a full refund. If you cancel after the initial 30 days, then we’ll simply stop charging you. 

In addition to life insurance coverage, this policy grows cash value that isn’t taxed right away. This cash asset is a tremendous advantage of our universal policies.

Please contact our office or one of our agents to discuss the universal life insurance policy and to see whether this is the best policy for your needs. 

Just like with all our policies, the death benefit is completely tax free. The universal policies accumulate cash value that is tax-deferred. Please contact our team to learn more.

The Policy Owner must complete the appropriate form for the requested change. Forms may be downloaded and printed from the Forms Link after logging in. The Policy Owner may also contact a Service Representative at the Home Office or send us a message through our Contact Us page.

You may contact a Service Representative or register online. By registering online you will be able to view premium payments, make withdrawals and much more. Click here to register.

Upon the death of the Insured, you will contact the Home Office Claims Department to report the death. Be prepared to advise us of the insured’s name, the date and cause of death, and the name, address, and telephone number of the person who should be contacted. A Claimant’s Statement and additional information on how to file a death claim will then be sent to the named beneficiary(ies). You may click the “Claims” link at the top of this page to download the Claimant’s Form and instructions.

Please contact our office immediately to update your banking details and ensure that your valuable coverage isn’t lost. 

Universal Life Insurance Articles

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Connect with our agents to get a quote

Our dedicated agents who can provide you with comprehensive information on pricing, the array of benefits available, and guide you through the application process.

Feel free to contact us at (850) 456-7401 for a complimentary quote, or simply complete our contact form, and we will be sure to get in touch with you at your convenience.

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Connect with our agents to get a quote

Our dedicated agents who can provide you with comprehensive information on pricing, the array of benefits available, and guide you through the application process.

Feel free to contact us at (850) 456-7401 for a complimentary quote, or simply complete our contact form, and we will be sure to get in touch with you at your convenience.

Universal Life Insurance Form Pop up
Name
Name