Universal Life

Our independent agents are ready to help you find the coverage that suits you best.

Universal Life insurance combines the benefits of life insurance with the ability to build cash value.


Cash Value

Universal Life policies have the advantage of building cash value. Cash value may be withdrawn in the form of a policy surrender or a policy loan (subject to surrender charges, loan interest rates and policy conditions).


The biggest advantage of a Universal Life insurance policy is its flexibility. The coverage amount, premiums and payment schedules can be adjusted to meet your changing needs.

Increase/Decrease Coverage

With Universal Life, you may increase your death benefit (subject to underwriting) or decrease your death benefit at any time. As events in your life occur, you’ll be able to make changes to your policy.

Secondary Insured(s)

Instead of having multiple life policies taken out on each of your family members, why not add them to your own policy? Universal Life allows multiple secondary insureds so that your whole family can be covered under one policy. Conversion privileges are also available at any time so that secondary insureds can have their own policy without going through underwriting.

Life Insurance Needs Estimator

Begin planning here to protect your family's future.

Estimate Your Needs

How do I get a quote?

The Concord Group works solely through independent agents to ensure you're getting the right protection from a skilled professional.

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