What it can do for you

Aviva universal life insurance can help you accomplish many financial goals.

You’re in control
As your needs change, your policy can change, too. With Aviva universal life, you can change the death benefit, increase or decrease your premiums, and add options or riders to fit your needs.

Transfer your wealth
Aviva universal life can help you leave a legacy to pass on to your heirs by giving them as much of your estate as possible, while making sure your tax and other obligations are satisfied.

Build your savings
Universal life insurance provides a tax-deferred way of accumulating a cash value at interest rates that are often better then CDs or savings accounts.

Access your funds
Speeds up the time in which benefits are paid should you become terminally ill. A portion of the policy proceeds normally paid at death is paid to you while you are living provided your life expectancy is 12 months or less.

Waiver Premium Rider
You can make withdrawals or borrow against, the cash value in your policy. Your Aviva universal life policy can also be used as collateral for securing an outside loan. This let’s you tap the equity in your policy for a variety of needs: education, retirement and emergencies

Protect your family
The death benefit gives you peace of mind in knowing that your loved ones will be covered financially should you die. And the value of the death benefit can grow with your family and with your needs.

Who might need it

Like term life, Aviva universal life insurance has a death benefit paid to your loved ones upon your death. But it also has many living benefits that you can use and depend on throughout your entire life, hence the name: universal life. It adds predictability to your life. And most people could use some of that.

All tax related information contained herein is based on our current understanding of federal tax laws as they relate to life insurance or other subject matter discussed. These laws are subject to change in the future. Neither Aviva nor its representatives offer legal or tax advice. You should consult a personal tax advisor on any tax matters. In order to comply with certain U.S. Treasury regulations, please be advised of the following: Unless expressly stated otherwise, any U.S. Federal tax advice contained in these materials is not intended or written to be used, and cannot be used, by any person for the purpose of avoiding any penalties that may be imposed by the Internal Revenue Service. Products issued by and all policy benefits are the responsibility of Aviva Life and Annuity Company, and not that of any other insurer or company.

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