For over a decade, Burial Senior Insurance has helped seniors and families nationwide plan ahead with honest, affordable final expense coverage — no medical exams, no waiting periods, and no pressure. Our licensed agents guide you to the plan that fits your budget and your family’s needs.
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Universal life insurance is a flexible permanent life insurance policy that combines lifelong coverage with cash-value growth potential. It allows you to adjust your premium payments and death benefit amounts as your financial needs change over time.
The cash value component earns tax-deferred interest, giving you a powerful tool to build wealth while ensuring your family receives a tax-free lump-sum payout upon your passing.
Life changes, and your policy should too. Universal life protection offers total flexibility to match your evolving lifestyle and retirement goals.
Cash value grows over time with tax advantages for retirement or emergency use.
Adjust or lower your payment amounts when your financial budget changes.
Increase or decrease your coverage limits as your family obligations change.
Leaves a significant tax-free financial legacy for children and grandchildren.
Pays off lingering mortgages, debts, and final medical expenses.
Beneficiaries receive full cash proceeds without income tax deductions.
Explore specialized universal life structures tailored to your investment risk and payout goals.
Links your policy's cash-value growth to a major stock market index (like the S&P 500) while providing downside protection against market losses.
Focuses on lifetime death benefit security with fixed, predictable premiums, operating similarly to whole life insurance at a lower cost.
Offers direct investment options in sub-accounts (stocks, bonds, and mutual funds) for policyholders seeking maximum growth potential.
Ideal for individuals seeking permanent protection paired with financial growth and payment flexibility.
Professionals seeking tax-deferred cash growth beyond traditional 401(k) or IRA limits.
Older adults wanting reliable death benefits that never expire.
Individuals who want life insurance combined with market-linked returns.
Entrepreneurs needing flexible premium options to accommodate fluctuating income.
Individuals preserving family wealth and minimizing estate tax burdens.
Forward-thinking adults building adaptable long-term financial security.
Rigid insurance plans don’t always fit long-term goals. Universal life insurance gives you full control over how your policy operates, allowing you to increase coverage when family responsibilities grow or reduce payments during tighter financial periods.
By combining flexible protection with tax-deferred cash accumulation, a universal life policy works as both a protective shield for your family and an accessible financial asset for your future.
Practical advantages designed for financial growth, flexibility, and certainty.
Adjust your premium contributions up or down based on your budget.
Accumulate cash value without paying annual income tax on gains.
Coverage remains active for life as long as required cash value is maintained.
Access your accumulated cash value tax-free through loans or withdrawals.
Increase or lower your total death benefit payout over time.
Beneficiaries receive full cash proceeds without tax burdens.
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Simple steps to customize your universal life policy.
1
Select between Indexed (IUL), Guaranteed (GUL), or Variable (VUL) structures.
2
Determine your desired death benefit and cash-value growth goals.
3
Answer health and financial questions online or over the phone.
4
Set your monthly contribution schedule and lock in your coverage.
Estimated monthly payments for a $100,000 Guaranteed Universal Life (GUL) policy based on age and gender.
|
AGE
|
FEMALE RATE
|
MALE RATE
|
|---|---|---|
|
45
|
$48/mo
|
$62/mo
|
|
50
|
$65/mo
|
$84/mo
|
|
55
|
$92/mo
|
$118/mo
|
|
60
|
$135/mo
|
$175/mo
|
|
65
|
$210/mo
|
$275/mo
|
Sample rates are for illustrative purposes. Actual pricing depends on health qualifications, selected universal plan type, and chosen carrier.
We help you navigate complex policy options to find the ideal balance of growth, stability, and protection.
Access universal plans backed by financially strong, A-rated insurance providers.
Independent guidance focused on matching your long-term wealth goals.
Transparent explanations that let you choose comfortably at your own pace.
Streamlined digital application support from start to finish.
Start with a few basic details — takes less than a minute.
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Answer a few quick questions and one of our licensed agents will help you compare real quotes from top-rated carriers — no obligation, no pressure.
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A portion of your premium payment goes toward the cost of insurance, while the remaining balance accumulates interest on a tax-deferred basis inside your policy's cash account.
Yes! If your policy has built up enough cash value, you can use that cash value to cover monthly insurance costs or lower your out-of-pocket payments during tight budget periods.
Indexed Universal Life (IUL) focuses on cash-value growth tied to stock market indices, while Guaranteed Universal Life (GUL) focuses purely on low-cost lifetime death benefit protection with fixed premiums.
Yes. You can access accumulated cash value through tax-free policy loans or withdrawals for retirement, college funding, or emergencies.
No. Universal life insurance is permanent life insurance designed to stay active for your entire lifetime up to age 100+ as long as premiums or cash value balances maintain the account.
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Burial Senior Insurance provides information and services related to burial insurance for senior citizens, including policy options and end-of-life support services.
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