AmeriLead, LLC

Universal Life*

A Universal Life policy is the most flexible of all available forms of life insurance today. The owner of a Universal Life policy is permitted (within limits), to adjust the face amount of the policy, the premium amounts and length of premium payment as desired to meet an individual's situation. Universal Life products are sometimes referred to as "interest sensitive" because values are related to credit interest rates.

The Benefits of Universal Life

  • A flexible death benefit
  • Income tax free death proceeds
  • Interest-sensitive cash value
  • Flexible premium
  • Ability to customize the plan to fit the need of the policyholder


Marquee – is a universal life policy that is affordable and provides you with the necessary permanent life insurance coverage that you need. As with all universal life products, it provides an adjustable death benefit and extremely flexible premium. This product provides competitive cash value within the policy and has unique features which provide its flexibility and competitiveness.

Policy specifications:


Issue ages:.................................0-85

Minimum Face Amount:

  • Standard Class..........................................$25,000
  • Preferred Class........................................$100,000

    Maximum Coverage Period     Planned Maturity Date - Age 121

Available Riders

  • Accelerated Benefit: In the event the insured becomes terminally ill allows for a portion of the policy to be available.
  • Legacy Level Term Rider: A 10, 15, or 20-year level term rider with $50,000 minimum face amount, provided the base policy and rider total $100,000.
  • Accidental Death Benefit: Additional benefit paid on death due to an accident.
  • Other Insured Riders:
    Family members eligible to be covered (at time of issue) by our Other Insured Rider are:
    1. Spouse who is 75 years of age or less
    2. Unmarried children of primary insured and/or spouse who are 20 years of age or less and whose permanent residence is still identified as that of the primary insured. (Exception for children in out-of-state colleges.)
    Spouse approved for insurance under the Other Insurance Rider will be insured for level term insurance to age 85, and to age 25 for children. The Other Insured Spouse coverage cannot exceed Primary Insured's base coverage. The maximum amount for each Other Insured Child may not exceed the specified amount of the base policy on the primary insured.
  • Waiver of Deduction: When total disability continues for more than six months, the premium will be waived during the continuance of total disability up to the expiry date of the policy.

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* Information is used to show example of product, all policies have different guidelines per the applicant.