Universal Life Insurance

For Individuals and Families in Dallas, Ft. Worth, Plano, and Texas
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Flexible Coverage That Evolves with You

Universal Life Insurance offers the lifelong protection of whole life—but with greater flexibility in premiums, coverage amounts, and cash value growth. At Affluence Insurance Services, we help you design a policy that adapts to your life and financial goals, now and decades from now.

What's Covered

Universal life insurance includes:

  • Permanent Death Benefit

    Lifelong coverage for your beneficiaries, as long as the policy is funded.

  • Flexible Premiums

    You can adjust how and when you pay, within policy limits.

  • Cash Value Growth

    Earns interest over time, typically based on market rates or declared rates.

  • Adjustable Coverage

    Modify your death benefit (with underwriting approval) as needs change.

Insure with Affluence

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Control & Customization

Choose how much to contribute, when, and how to apply those funds toward coverage or cash growth.

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Wealth Accumulation Potential

Access policy cash value for large expenses, emergencies, or retirement supplementation.

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Adaptable Over Time

Adjust your policy as your income, expenses, or goals shift.

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Lifetime Protection

As long as sufficient premiums are paid, your loved ones receive guaranteed financial support.

Frequently Asked Questions

  • How is universal life different from whole life?

    Whole life has fixed premiums and guarantees. Universal life offers more flexibility and potentially higher returns—but requires more involvement.

  • Can my policy lapse if I miss a payment?

    Yes, if cash value is depleted and minimum premiums aren’t met. We help you manage the balance to avoid surprises.

  • Is universal life good for retirement planning?

    It can be—especially if you want tax-deferred growth and access to funds later in life. We’ll walk you through your options.

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Get a Quote

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A Lifetime of Coverage, Tailored to You

Affluence Insurance Services helps you make the most of universal life insurance—balancing protection, savings, and flexibility for your future.