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Universal Life Insurance

Prepare Now so your Legacy Lives on Forever

Finding the Right Life Insurance for You
Thinking about life after we have moved on can often be uncomfortable.   Whether it is to pay off an existing mortgage or outstanding debt; or provide your family with the financial nest egg that will carry them through a life-time, now is the time to prepare.  
Financial Centers is an independent insurance agency that represents several of the highest rated and established Insurance Companies in the world.  Not only will be able to assist you in choosing the right type of life insurance product, we are able to compare which carrier best suits your individual needs.

Term Life Insurance

  • Coverage for a “term” or period of your life
  • Least expensive for higher coverage
  • Fixed Rates
  • No equity – cannot be used as cash value
Whole Life Insurance
  • Permanent, not for a specific period.
  • Protection carries with you your whole life.
  • Can build equity and have cash value.
  • Higher premiums than term life, but can be more valuable in the long run.
Universal Life Insurance
  • Permanent coverage
  • Payments made above costs will be credited toward cash value
  • Flexible Premiums- ability to put more or less in the policy
  • Typically less expensive than an equivalent 'Whole Life" policy
Fixed Index Universal Life
  • Same Benefits as Universal Life

  •  Potential to accumulate cash value 

  • based on positive changes in an external market index


The Companies we Individually Represent

(There may be additional companies not listed that we are contracted with and can make their products available)


Allianz Life 


American General Life 


American National Life 


Assurity Life 


Aviva Life & Annuity 




Companion Life (NY) 


Hartford Life Insurance Co 




John Hancock Insurance Co. 


Genworth Financial 


Liberty Life-Athene 


Life of the Southwest 


Lincoln Benefit Life 


Lincoln Financial 


Minnesota Life Insurance Company 


MetLife/General American/New England 


National Life 


North American Company 


Old Mutual 


Phoenix Life 


Principal Financial 


Protective Life 


Prudential Financial 




Sentinel Security Life 


Sun Life Assurance 


Transamerica Life Insurance Co


United of Omaha

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