Universal Life - AuguStar Financial

Universal Life

Our V-Pro UL II is built for low lifetime premium payments on a specified death benefit. Its attractive long-term cost of insurance (COI) structure can make it an excellent protection policy for your clients.

Virtus Basic II is the permanent conversion product for the company’s “basic” term life insurance products. It is an ideal fit when there is a need for higher early cash value or small face amounts ($25,000 minimum issue).

Product details

V-Pro UL II highlights

  • No-lapse guarantee of up to 20 years
  • A 75 basis points persistency bonus starting in policy year 11
  • Low fees and expenses help the product perform well in different environments

V-Pro UL II optional riders

  • Guaranteed Purchase Option (GPO) Rider
  • Preferred Loan Rider (“Wash” Loan)
  • Waiver of Premium for Total Disability (WPD) rider (5-year Own Occupation)
  • Children’s Term Rider
  • Additional Insured Term Life Insurance Rider
  • Lifetime Advantage Rider (Accelerated Death Benefit)

Virtus Basic optional riders

  • Waiver of Premium for Total Disability (WPD) Rider (5-year Own Occupation)
  • Lifetime Advantage Rider (Accelerated Death Benefit)
Universal Life Icon

Universal life insurance products are issued by AuguStar℠ Life Assurance Corporation. Guarantees are based upon the claims-paying ability of the issuer. Product, product features and rider availability vary by state. Company not licensed to conduct business in New York.

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