Make the Crossover

Offering universal life (UL) products helps you reduce client turnover and post more sales. We're here to provide you with all the "assists" you need.

To help you gain a better understanding of the Triumphant Three ― a.k.a. traditional, guaranteed, and index UL ― this March, we've developed the table below and a training library on the many UL products offered by our featured carriers. Note: You must register with and log in to to view the training library.


    Product Type Brief Description  
    Traditional UL Traditional UL policies are non-guaranteed, flexible premium policies. They combine the elements of term life insurance with an investment savings vehicle, allowing the policyholder to potentially use interest from the savings portion to help cover premiums over time.  
    Guaranteed UL     GUL functions like a term life policy, but with guaranteed fixed premiums to age 90, 95, 100 or older, depending on the age chosen at the policy’s issue. As long as the premiums are paid on time, the death benefit will remain in force for the life of the policy.  
    Index UL IUL policies can be guaranteed or non-guaranteed and tie interest returns to a chosen stock market index, such as the S&P 500.    


If you don't give this product a shot, you're passing up wide-open opportunities! For contracting or more information, fill out the form or contact Brenda Salyer at 800-769-1847 ext. 302.

Request More Info

* denotes a required field

Ritter Insurance Marketing