Universal life insurance in Washington & Florida

Universal life (UL) is permanent insurance built for flexibility. Within limits, you can adjust your premium and even your death benefit over time, and the policy's cash value grows based on interest credited by the insurer. That adaptability suits people whose income or needs will change — but it also means a UL policy must be funded and monitored responsibly, or the cash value can erode. Maru helps Washington and Florida clients understand the UL family and choose the version that matches their goals.

The universal life family

The flexibility — and the responsibility

UL lets you pay more in good years to build cash value, or less (even skip) when money's tight, drawing on accumulated value to cover the cost. Used well, that's powerful. Used carelessly, underfunding plus rising internal costs can drain the policy and cause it to lapse years later. We help you set a funding plan and review the policy periodically so it performs the way it was illustrated, rather than surprising you in retirement.

Is universal life right for you

UL can suit people who want permanent coverage with adjustable payments, who've maxed other tax-advantaged accounts, or who need lifelong protection at the lowest permanent cost (guaranteed UL). If your need is temporary, term is cheaper and simpler; if you want set-and-forget permanence with guarantees, whole life may fit better. As an independent agency, we compare UL, whole life, and term across strong carriers and recommend the honest fit.

Frequently asked questions

Vadim — Maru Insurance
Licensed independent insurance agent · WA & FL
Written and reviewed by a licensed Maru advisor. Maru Insurance is an independent agency (License #22261820) representing multiple A-rated carriers across Washington and Florida.