Universal Life Insurance
Aviva universal life insurance can help you protect your loved ones, plan for your future and leave a legacy for your family. We also offer Term Life and Indexed Universal Life.
Permanent, doesn’t expire like term life

Compare policies
This is a summary. Terms and conditions may vary by state. For details and to find out what’s right for you, contact your local Aviva agent.
| |
Patriot Solution |
Guarantee UL Solution |
MultiChoice Single Premium Life |
Issue age |
0-85 |
0-85 |
50-85 |
Minimum face value |
$25,000 ages 0-17 $50,000 ages 18+ |
$25,000 ages 0-17 $50,000 ages 18+ |
$25,000 |
Loans |
Preferred available |
Yes |
Not applicable |
Free withdrawals starting year 2 |
Yes, 20% |
Not applicable |
Yes, 10% |
Guaranteed interest rate |
4% |
3% |
2% |
No-lapse guarantee |
Not applicable |
Built in |
Not applicable |
Premiums |
Lifetime adjustable |
Lifetime adjustable |
Single: minimum $10,000 |
Riders available |
Yes |
Yes + Wellness for Life |
Yes + Nursing home and terminal illness |
Underwriting |
Preferred, Preferred Plus & Premier available |
Preferred and Premier available |
Simplified with no medical exams |
Period of surrender charge |
19 years |
15 years |
12 years |
Summary |
Good for cash accumulation |
Good for low-cost death benefit |
Good annuity alternative |
All tax related information contained herein is based on our current understanding of federal tax laws as they relate to life insurance or other subject matter discussed. These laws are subject to change in the future. Neither Aviva nor its representatives offer legal or tax advice. You should consult a personal tax advisor on any tax matters. In order to comply with certain U.S. Treasury regulations, please be advised of the following: Unless expressly stated otherwise, any U.S. Federal tax advice contained in these materials is not intended or written to be used, and cannot be used, by any person for the purpose of avoiding any penalties that may be imposed by the Internal Revenue Service. Products issued by and all policy benefits are the responsibility of Aviva Life and Annuity Company, and not that of any other insurer or company.