Universal Life Insurance

The flexible design of universal life insurance allows Graber & Associates to customize policies with the features that best fit your lifestyle.

Universal life insurance is a flexible-premium, adjustable-benefit life insurance policy that accumulates cash value. The flexibility of this policy allows you to change the amount of insurance as your needs for insurance change.

With a universal plan you choose both the amount of protection that best suits your family or business, and the amount and frequency of payments. There is also a survivorship option available, which insures the lives of two people and pays the death benefit at the death of the surviving insured.