A closer look at Universal Life insurance

Experience added stability for your financial future

Trustmark Universal Life insurance is designed to provide lifelong coverage, build cash value over time, and provide added financial support for your loved ones when you're gone. Your investment in this policy can help free your family from the financial stress related to long-term care needs or the sudden loss of a financial provider.
  • Universal life is flexible because you can adjust your premium payments within a certain range and still keep your policy in force.
  • The policy is guaranteed renewable even if you experience changes in your health status.
  • Coverage is portable and cannot be terminated due to career changes, union status, or place of residence.

Benefits Designed for a Lifetime

If you’re being offered Trustmark Universal LifeEvents®, your policy adjusts to your changing needs. You get a higher death benefit during your working years, when your expenses and responsibilities are highest. When you turn 70 (and expenses are likely to be much less), the death benefit reduces to 1/3 of your original amount. The amount available for long-term care remains the same, as you are most likely to need it in older age.1
 
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Two essential benefits in one policy

Example of a $30,000 Universal Life policy

Your Trustmark Universal Life Benefits

At any point in your life, you may need long-term care services, which could cost hundreds of dollars per day. Trustmark Universal Life/LifeEvents® offers a benefit that can be used to help pay for these services at any age. This benefit remains at the same level throughout your life, so the full value of the policy is always available when you most need it and directly pays you when you qualify for benefits.

How it works:

  • You can collect 4% of your Universal Life death benefit per month for up to 25 months to help pay for long-term care services.2
  • If your policy includes the Benefit Restoration Rider or Additional Term Life Insurance Rider, your full death benefit is still available for your beneficiaries, which means you can as much as double your benefit.
  • If your policy also includes the Extension of Benefits rider, you can collect benefits for long-term care services for an extra 25 months, which means you can as much as triple your benefit.
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