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Universal Life Insurance

Permanent, Flexible Protection Tailored To Your Needs

  • Universal life insurance

    Is universal life insurance right for you?
    Universal life is a type of permanent insurance that offers you some flexibility according to the guidelines stated in your policy. Universal life may be right for you if you're looking for:

    • The ability to increase or decrease your coverage after the policy is in force
    • Flexible premium payments that fit your
      changing needs

    Universal life insurance policies offered by Liberty Life:
    Spirit Series Performance Universal Life1
    • Permanent life insurance protection that builds cash value
    • You have the flexibility to adjust your level of coverage and your premium payments to meet your changing needs2
    Spirit Series Universal Life3
    • Affordable, permanent coverage that's not designed to build long-term cash values
    • Offers special lapse-protection features4
    • Provides continuous protection through any circumstance, as long as you meet certain minimum requirements


    Contact a Local Agent


    Life insurance and annuities issued by:
    Liberty Life Assurance Company of Boston, a Liberty Mutual company
    Home office: Boston, Mass. Service center: Dover, N.H.

    1Liberty Life Assurance Company of Boston, a Liberty Mutual company, issues Spirit Series Performance Universal Life, a flexible premium adjustable life insurance contract, on policy form UL-2008019, ICC08-UL- 2008019 as applicable (UL-2008019 NY in New York and UL-2008019 NJ in New Jersey) and state variations identified by state code. Liberty Life's obligations under its life insurance contracts are guaranteed by Liberty Mutual Insurance company. Home office: Boston, Mass. Service center: Dover, N.H.

    2Subject to evidence of insurability and or policy limitations. See contract for details.  Premium payments are subject to minimum premium and Internal Revenue Code limits.

    3Liberty Life Assurance Company of Boston, a Liberty Mutual company, issues Spirit Series Universal Life, a flexible premium adjustable life insurance contract, on policy form UL-2006034 (UL-2006034 NY in New York and UL-2006034 NJ in New Jersey), and state variations identified by state code. Contract availability may vary by state. Liberty Life's obligations under its life insurance contracts are guaranteed by Liberty Mutual Insurance company. Home office: Boston, Mass. Service Center: Dover, N.H.

    4Spirit Series Universal Life's short-term lapse protection is provided by the policy's Limited Duration Death Benefit Guarantee for the first 10 years.  The policy's Extended Duration Death Benefit Guarantee provides long-term lapse protection to age 121, the maturity date.  Loans, withdrawals, face amount changes and the amount and timing of premium payments may cause coverage to terminate prior to the end of the lapse protection period.  Payment of premiums only sufficient to satisfy the minimum requirements for either death benefit guarantee will reduce growth in policy cash values.  If the death benefit guarantees terminate, the policy will stay in force provided the surrender value is sufficient to pay the monthly deduction.