CSEA Products

Universal Life

Universal Life Insurance is often described as a "flexible" form of permanent life insurance. This is because you can choose both the amount of coverage and the premium you wish to pay (within policy guidelines).

The Benefits of CSEA Sponsored Universal Life Insurance from Pearl Carroll

• Level Premiums - rates are determined by age and smoking status upon entry into the plan - rates will not increase as you get older

• High limits of coverage available - up to $500,000

• Convenient Payroll Deduction - no checks to write, no missed payments!

• Spouse and dependent coverage also available

With Universal Life Insurance part of your premium payment goes into a cash value account which earns tax-deferred interest. You can access the value of your account by taking out a loan (interest rates apply) or by making a partial withdrawal.

The value of this account is updated monthly and is mostly determined by (1) the premium you pay; (2) the interest earned; and (3) the cost of insurance charges.

Value of Policy = (Premium Payments + Interest Earned) - Cost of Insurance

Universal Life Insurance can be confusing, but don't worry....  WE CAN HELP!

Click here to find your local CSEA Insurance Representative.

Or call toll-free at 1-877-847-2732 to speak with an agent in our home office.

This plan is underwritten by American General Life Companies.

For Agent/Employer use only. All benefits payable are subject to the terms and conditions of the policy, including benefit durations, limitations and exclusions. Not all benefits and exclusions apply in every state. Please consult the policy form and outline of coverage for details.

Pearl Carroll & Associates insurance services is not the issuer of any insurance policy described herein. Please contact Pearl Carroll & Associates for full description of the insurance policy offered.