Lifetime Protection. Flexible Financial Growth.
Universal Life Insurance offers lifelong coverage with the added advantage of flexibility and long‑term value growth. It combines permanent life protection with a savings component, allowing you to adjust coverage and premiums as your financial needs evolve.
At James Econn & Co., we help you design a Universal Life plan that balances protection, flexibility, and future financial goals — with clarity and confidence.
What Is Universal Life Insurance?
Universal Life Insurance is a type of permanent life insurance that provides:
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Lifetime coverage -
Adjustable premiums
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Flexible death benefits
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Cash value accumulation over time
A portion of your premium builds cash value, which grows based on policy terms and can be accessed during your lifetime (subject to conditions).
Our advisors ensure you understand how the plan works — so it supports both protection and long‑term planning.
Permanent Life Coverage
Protection that lasts a lifetime
Cash Value Component
Savings that accumulate within the policy
Flexible Premium Structure
Adjustable payments over time
Custom Death Benefit Options
Coverage aligned with life stages
Loan & Withdrawal Options
Access to cash value (subject to terms)
Optional Riders
Enhanced protection based on individual needs
How to Get Universal Life Insurance
in 4 steps
Understand Your
Goals
Design Your
Policy
Activate Coverage
Ongoing Review &
Support
We always help
Frequently Asked
Questions
Is Universal Life Insurance better than term insurance?
Universal Life offers lifelong coverage and savings, while term insurance is temporary and purely protective.
Can I change my premium amount?
Yes. Premiums can be adjusted within policy limits.
Does the policy build cash value?
Yes. A portion of your premium accumulates as cash value over time.
Can I access the cash value?
Loans or withdrawals may be available, subject to policy terms.
Is this suitable for long‑term planning?
Yes. It is often used for estate planning, wealth transfer, and lifelong security.
Plan For Life — With Flexibility
(310) 295-1502
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