{"id":1994,"date":"2024-12-17T16:37:19","date_gmt":"2024-12-17T16:37:19","guid":{"rendered":"https:\/\/www.statetrustlife.com\/index.php\/universal-life-insurance\/"},"modified":"2025-10-14T16:57:29","modified_gmt":"2025-10-14T16:57:29","slug":"universal-life-insurance","status":"publish","type":"page","link":"https:\/\/www.statetrustlife.com\/en\/index.php\/universal-life-insurance\/","title":{"rendered":"Universal Life Insurance"},"content":{"rendered":"

[et_pb_section fb_built=”1″ admin_label=”Hero section” _builder_version=”4.27.4″ use_background_color_gradient=”on” background_color_gradient_stops=”rgba(38,171,228,0.77) 0%|rgba(0,44,67,0.8) 99%” background_color_gradient_overlays_image=”on” background_color_gradient_start=”rgba(150,105,97,0.67)” background_color_gradient_end=”rgba(2,0,76,0.84)” background_image=”https:\/\/www.statetrustlife.com\/wp-content\/uploads\/2024\/11\/home-bg-2.jpg” custom_margin=”|||” custom_padding=”1.2%|6%|1.2%|6%|false|false” global_colors_info=”{}”][et_pb_row _builder_version=”4.27.4″ width=”100%” custom_margin=”|||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ custom_padding=”1px|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.27.4″ text_font=”Lato||||||||” text_font_size=”20px” text_line_height=”1.4em” header_font=”Lato|900|||||||” header_font_size=”38px” header_letter_spacing=”2px” header_line_height=”1.2em” background_layout=”dark” width=”100%” max_width=”100%” custom_margin=”|-166px||||” animation_style=”fold” text_font_size_tablet=”20px” text_font_size_phone=”16px” text_font_size_last_edited=”on|phone” header_font_size_tablet=”46px” header_font_size_phone=”26px” header_font_size_last_edited=”on|tablet” global_colors_info=”{}”]<\/p>\n

Universal Life Insurance<\/h1>\n

The essence of life insurance is to guarantee, upon the death of the insured person, a specific amount of funds to be paid to their beneficiaries.<\/span><\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Blog” _builder_version=”4.27.4″ custom_margin=”||||false|false” custom_padding=”32px|0px|0px|0px|false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_3,1_3,1_3″ _builder_version=”4.16″ custom_padding=”8px||0px|||” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.16″ background_color=”#ffffff” custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_image src=”https:\/\/www.statetrustlife.com\/wp-content\/uploads\/2024\/12\/global-dynamic-protection-preview.jpg” title_text=”global-dynamic-protection-preview” force_fullwidth=”on” align_tablet=”center” align_phone=”” align_last_edited=”on|desktop” _builder_version=”4.27.4″ custom_margin=”||-20px|” locked=”off” global_colors_info=”{}”][\/et_pb_image][et_pb_button button_url=”\/en\/?page_id=1620″ button_text=”Quote Now” button_alignment=”center” _builder_version=”4.27.4″ custom_button=”on” button_text_size=”18px” button_bg_color=”#fa7f28″ button_border_width=”0px” button_border_radius=”6px” button_letter_spacing=”1px” button_font=”Lato|700||on|||||” button_icon=”5||divi||400″ custom_margin=”||0px||false|false” custom_padding=”8px||8px|” animation_style=”fold” hover_enabled=”0″ box_shadow_style=”preset3″ box_shadow_color=”rgba(250,127,40,0.4)” button_letter_spacing_hover=”1px” global_colors_info=”{}” button_text_size__hover_enabled=”off” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_text_color__hover_enabled=”off” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_border_width__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_border_color__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_border_radius__hover_enabled=”off” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_letter_spacing__hover_enabled=”on” button_letter_spacing__hover=”1px” button_one_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover_enabled=”off” button_bg_color__hover_enabled=”off” button_one_bg_color__hover_enabled=”off” button_two_bg_color__hover_enabled=”off” sticky_enabled=”0″][\/et_pb_button][et_pb_heading title=”Global Dynamic Protection” _builder_version=”4.27.4″ _module_preset=”default” title_level=”h3″ title_font=”|||on|||||” title_text_align=”center” height=”72px” custom_margin=”||13px|||” custom_padding=”21px|||||” locked=”off” global_colors_info=”{}”][\/et_pb_heading][et_pb_text _builder_version=”4.27.4″ text_font=”Lato||||||||” text_text_color=”#898f99″ text_font_size=”15px” text_line_height=”1.8em” link_font=”||||||||” link_text_color=”#0986BC” header_font=”||||||||” header_2_font=”||||||||” header_3_font=”||||||||” header_4_font=”Lato|700|||||||” header_4_font_size=”32px” header_5_font=”||||||||” text_orientation=”center” custom_margin=”-3px|20px|40px|20px||” locked=”off” global_colors_info=”{}”]<\/p>\n

Premium From<\/h5>\n

US$167 Monthly<\/h4>\n

Learn More<\/a>[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ background_color=”#ffffff” custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_image src=”https:\/\/www.statetrustlife.com\/wp-content\/uploads\/2024\/12\/legacy-preview.png” title_text=”legacy-preview” force_fullwidth=”on” align_tablet=”center” align_phone=”” align_last_edited=”on|desktop” _builder_version=”4.27.4″ custom_margin=”||-20px|” locked=”off” global_colors_info=”{}”][\/et_pb_image][et_pb_button button_url=”\/en\/?page_id=1597″ button_text=”Quote Now” button_alignment=”center” _builder_version=”4.27.4″ custom_button=”on” button_text_size=”18px” button_bg_color=”#fa7f28″ button_border_width=”0px” button_border_radius=”6px” button_letter_spacing=”1px” button_font=”Lato|700||on|||||” button_icon=”5||divi||400″ custom_margin=”||0px||false|false” custom_padding=”8px||8px|” animation_style=”fold” hover_enabled=”0″ box_shadow_style=”preset3″ box_shadow_color=”rgba(250,127,40,0.4)” button_letter_spacing_hover=”1px” locked=”off” global_colors_info=”{}” button_text_size__hover_enabled=”off” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_text_color__hover_enabled=”off” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_border_width__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_border_color__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_border_radius__hover_enabled=”off” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_letter_spacing__hover_enabled=”on” button_letter_spacing__hover=”1px” button_one_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover_enabled=”off” button_bg_color__hover_enabled=”off” button_one_bg_color__hover_enabled=”off” button_two_bg_color__hover_enabled=”off” sticky_enabled=”0″][\/et_pb_button][et_pb_heading title=”Variable Universal Life Insurance” _builder_version=”4.27.4″ _module_preset=”default” title_level=”h3″ title_font=”|||on|||||” title_text_align=”center” height=”72px” custom_margin=”||13px|||” custom_padding=”21px|||||” global_colors_info=”{}”][\/et_pb_heading][et_pb_text _builder_version=”4.27.4″ text_font=”Lato||||||||” text_text_color=”#898f99″ text_font_size=”15px” text_line_height=”1.8em” link_font=”||||||||” link_text_color=”#0986BC” header_font=”||||||||” header_2_font=”||||||||” header_3_font=”||||||||” header_4_font=”Lato|700|||||||” header_4_font_size=”32px” header_5_font=”||||||||” text_orientation=”center” custom_margin=”-3px|20px|40px|20px||” locked=”off” global_colors_info=”{}”]<\/p>\n

Premium From<\/h5>\n

US$167 Monthly<\/h4>\n

Learn More<\/a>[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ background_color=”#ffffff” custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.27.4″ _module_preset=”default” custom_padding=”9px||7px|||” locked=”off” global_colors_info=”{}”][et_pb_row _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_code _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

<\/p>\n
<\/p>\n
<\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n
<\/th>\n

<\/p>\n

\n GLOBAL DYNAMIC PROTECTION<\/span>\n<\/th>\n

<\/p>\n

\n LEGACY<\/span>\n<\/th>\n

<\/tr>\n

<\/p>\n

Premium From<\/td>\n

<\/p>\n

 <\/p>\n
US$167<\/span> Monthly<\/small> <\/div>\n

<\/th>\n

<\/p>\n

US$167<\/span>Monthly<\/small><\/th>\n

<\/tr>\n

<\/thead>\n

<\/p>\n

Variable universal life policy<\/th>\n

<\/p>\n

Yes<\/td>\n

<\/p>\n

Yes<\/td>\n

<\/tr>\n

<\/p>\n

Death benefit option<\/th>\n

<\/p>\n

Level or increasing<\/td>\n

<\/p>\n

Level or increasing<\/td>\n

<\/tr>\n

<\/p>\n

Policy ownership<\/th>\n

<\/p>\n

Natural persons, legal entities, or trusts<\/td>\n

<\/p>\n

Natural persons, legal entities, or trusts<\/td>\n

<\/tr>\n

<\/p>\n

Investment possibilities<\/th>\n

<\/p>\n

ETF market instruments, indices, and mutual funds<\/td>\n

<\/p>\n

Indexed investment profiles available: S&P 500, Dow Jones, NASDAQ, and Custom<\/td>\n

<\/tr>\n

<\/p>\n

Surrender values<\/th>\n

<\/p>\n

Loans, partial and total withdrawals<\/td>\n

<\/p>\n

Loans, partial and total withdrawals<\/td>\n

<\/tr>\n

<\/p>\n

Currency of issue<\/th>\n

<\/p>\n

Dollars or Euros<\/td>\n

<\/p>\n

Dollars or Euros<\/td>\n

<\/tr>\n

<\/p>\n

Amount of insured sum<\/th>\n

<\/p>\n

From $50,000 up to $5,000,000<\/td>\n

<\/p>\n

From $50,000 up to $5,000,000<\/td>\n

<\/tr>\n

<\/p>\n

Insurance duration<\/th>\n

<\/p>\n

Available less than 20 years*<\/td>\n

<\/p>\n

20 years<\/td>\n

<\/tr>\n

<\/p>\n

Guaranteed amount<\/th>\n

<\/p>\n

No<\/td>\n

<\/p>\n

Guaranteed return of 1%<\/td>\n

<\/tr>\n

<\/p>\n

Available supplements<\/th>\n

<\/p>\n

Additional Insured, Additional Temporary, Accidental Death, Accelerated Benefit for Terminal Illness And Waiver of Premium Payment<\/td>\n

<\/p>\n

Additional Insured, Additional Temporary, Accidental Death, Accelerated Benefit for Terminal Illness And Waiver of Premium Payment<\/td>\n

<\/tr>\n

<\/tbody>\n

<\/table>\n

<\/div>\n

<\/div>\n

<\/div>\n

[\/et_pb_code][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Testimonial” _builder_version=”4.27.4″ use_background_color_gradient=”on” background_color_gradient_stops=”rgba(9,112,156,0.45) 0%|rgba(12,113,195,0.75) 100%” background_color_gradient_overlays_image=”on” background_color_gradient_start=”rgba(150,105,97,0.67)” background_color_gradient_end=”rgba(2,0,76,0.84)” background_image=”https:\/\/www.statetrustlife.com\/wp-content\/uploads\/2024\/11\/home-bg-2.jpg” background_position=”top_center” custom_margin=”|||” custom_padding=”10%|0px|10%|0px” locked=”off” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ custom_margin=”|||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_cta title=”Statetrust Life” button_url=”\/en\/?page_id=1810″ button_text=”Find your plan” _builder_version=”4.27.4″ header_font=”Lato|900||on|||||” header_font_size=”48px” header_letter_spacing=”2px” header_line_height=”1.2em” body_font=”Lato||||||||” body_font_size=”20px” body_line_height=”1.8em” use_background_color=”off” custom_button=”on” button_text_size=”16px” button_text_color=”#ffffff” button_bg_color=”#09709C” button_border_width=”6px” button_border_color=”#09709C” button_border_radius=”5px” button_letter_spacing=”2px” button_font=”Lato|900||on|||||” max_width=”750px” module_alignment=”center” animation_style=”fold” header_font_size_tablet=”40px” header_font_size_phone=”” header_font_size_last_edited=”on|tablet” header_text_shadow_style=”preset1″ header_text_shadow_blur_strength=”0.6em” header_text_shadow_color=”rgba(0,0,0,0.24)” box_shadow_style_button=”preset3″ box_shadow_blur_button=”30px” box_shadow_spread_button=”8px” box_shadow_color_button=”rgba(250,127,40,0.15)” button_letter_spacing_hover=”2px” global_colors_info=”{}” button_text_size__hover_enabled=”off” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_text_color__hover_enabled=”off” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_border_width__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_border_color__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_border_radius__hover_enabled=”off” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_letter_spacing__hover_enabled=”on” button_letter_spacing__hover=”2px” button_one_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover_enabled=”off” button_bg_color__hover_enabled=”off” button_one_bg_color__hover_enabled=”off” button_two_bg_color__hover_enabled=”off”]<\/p>\n

Financial solutions for every stage of your life.<\/span><\/p>\n

[\/et_pb_cta][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"

Universal Life Insurance The essence of life insurance is to guarantee, upon the death of the insured person, a specific amount of funds to be paid to their beneficiaries.Premium From US$167 Monthly Learn MorePremium From US$167 Monthly Learn MoreFinancial solutions for every stage of your life.<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-1994","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.statetrustlife.com\/en\/index.php\/wp-json\/wp\/v2\/pages\/1994"}],"collection":[{"href":"https:\/\/www.statetrustlife.com\/en\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.statetrustlife.com\/en\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.statetrustlife.com\/en\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.statetrustlife.com\/en\/index.php\/wp-json\/wp\/v2\/comments?post=1994"}],"version-history":[{"count":13,"href":"https:\/\/www.statetrustlife.com\/en\/index.php\/wp-json\/wp\/v2\/pages\/1994\/revisions"}],"predecessor-version":[{"id":2682,"href":"https:\/\/www.statetrustlife.com\/en\/index.php\/wp-json\/wp\/v2\/pages\/1994\/revisions\/2682"}],"wp:attachment":[{"href":"https:\/\/www.statetrustlife.com\/en\/index.php\/wp-json\/wp\/v2\/media?parent=1994"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}