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Universal Life Single

Flexible coverage that fits your life.

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Flexible coverage for life’s unexpected turns.

We get it: life happens and you need a policy that can change with you. BetterLife’s Universal Life insurance adapts to your changing financial goals and insurance needs by allowing you to make changes to your premium amount or coverage amount. Keep reading to learn more!

Permanent Protection

With Universal Life Single, coverage can continue throughout your lifetime if you pay enough in premiums.

Flexible Coverage and Payments

Adjust your coverage and premium payments as your life evolves and changes.

Cash Value

If enough premiums are paid, your policy will develop a cash value, which is made up of funds that accumulate and earn interest over time.

BetterLife Member Benefits

When you purchase a BetterLife Universal Life policy, you automatically gain access to our free, exclusive member benefits, which offer additional protection and value. Click on the button below to learn more.

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Universal Life Single is ideal for:

People Seeking Payment Flexibility

With Universal Life Single, you’re able to increase or decrease your premiums and can even skip a payment* if necessary.

Prospective Bi-Weekly Benefit Plan Members

Universal Life Single works with our Bi-Weekly Benefit Plan which allows you to combine your mortgage and life insurance for simplified payments. Click here to learn more.

People Anticipating Life Changes

Universal Life Single gives you the ability to increase** or decrease your coverage amount as your life situation changes.

Converting Term Policies

Universal Life Single is a great option for those seeking to convert a BetterLife term policy to a permanent policy because of its flexible premiums and wide age eligibility.

*Skipping premiums may affect the performance of your policy. **Increasing coverage requires additional underwriting. 

Our Universal Life Single solution offers:


Policy Details

  • Policies start at $25,000
  • Available to people ages 0-85
  • An income tax-free* death benefit and cash value accumulation, as long as you pay your scheduled premiums
  • The cash value of your policy earns a “current” interest rate, which can fluctuate over time, but the cash value will never earn less than the guaranteed interest rate



  • Adjust your policy’s coverage and premium payments (increasing coverage requires additional underwriting)
  • Choose to pay your premiums monthly, quarterly, semi-annually, or annually
  • Payments can be automatically deducted from your bank account for simplicity and ease


Options & Extra Benefits


Download our Universal Life Info Sheet

*According to tax laws IRC Sections 101 & 7702.


How is Universal Life flexible?

  1. You get a promotion and purchase a bigger house and need to increase your coverage. You can adjust your policy to cover additional assets (application and underwriting required).
  2. Your kids graduate from college and your financial responsibilities decrease. You can decrease the coverage amount of your policy and as a result lower your premiums.
  3. You want to increase your cash value. Increase your premium payments so your cash value accumulates more quickly and earns more interest.

Here's what our members have to say:

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