Uniterm II

Uniterm II is a universal life policy that provides the family income benefit to ensure the financial stability of the beneficiaries. Being a universal policy, it offers the option of having flexible premiums that adjust to the changing needs of the insured's life. Uniterm II is ideal for the protection of companies, families and as financial support for banks. It has coverage from USD $250,000.

Additional information


Uniterm II | Universal Life


• Combines the financial appeal of a term life policy with the accumulated values of a universal life policy.
• Offers high insured amounts at a lower cost.

Why universal life insurance?

• A universal life policy combines two important factors: PROTECTION AND SAVINGS.
• Offers flexible premiums, adjustable protection, and a guaranteed minimum interest rate.
• Provides excellent accumulation of securities at a competitive interest rate, above average rates.
banking and not subject to the volatility of the stock market, which allows paying the policy in a few years.
• Allows you to increase or decrease the sum insured.
• Provides liquidity by allowing loans and partial withdrawals on cash value.
• Allows you to select the mode and frequency of premium payments.
• Offers the possibility of increasing, decreasing or suspending the payment of premiums, provided there are sufficient reserves
to cover monthly charges and insurance cost.
• Represents a solid asset that complements your insurance and investment portfolio.

Minimum Face Amount

• US$ 250,000

Issue Age

• From 20 years of age.

Available Riders

• Family Income.
• Accidental death.
• Additional Insurance on the Main Insured.
• Waiver of Monthly Disability Charges.
• Total and Permanent Disability.


General Conditions


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