Heritage UL | The Cincinnati Insurance Companies

Customize Your Legacy

Cincinnati Life's Heritage UL gives your clients between the ages of 0 and 80 the flexibility to choose the amount of universal life protection that best fits their needs. Whether covering final expenses or providing a legacy for surviving family, flexible death benefit amounts and premiums make it ideal for keeping pace with changing life circumstances.

Key Features

Permanent universal life insurance
Guaranteed insurability to age 121
Five-year no lapse guarantee period
Tax-deferred cash value accumulation

The key to the policy’s flexibility is the cash value. Cash value is based on premiums – less expense charges and monthly deductions – that accumulate with interest.

Both level and increasing death benefit options
Stable cash value build
Premium flexibility and access to cash value
Ability to increase coverage down the road with proof of insurability
Access to advanced death benefit payments with the addition of the Chronic Illness Rider

Conversion Option

You can offer your clients the option to convert an existing term policy to a permanent plan of protection. Use Heritage UL when converting coverage for a policy that is within the first five contract years.