Aviva USA | Universal Life Insurance - Compare Policies

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.

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Aviva LifeStage UL

Life insurance designed to meet death benefit protection and cash accumulation needs.

Download PDF: Aviva LifeStage UL Guide (587k)

Guarantee UL Solution

Provides a cost-effective guaranteed death benefit with flexible premium and rider options.

Download PDF: Guarantee Universal Life Solution Guide (942k)

MultiChoice Single Premium Life

Ideal for older people who want to easily transfer their wealth to their heirs.

Download PDF: MultiChoice Single Premium Life Guide (689k)

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.

 

Aviva LifeStage UL

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

3.5%

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.



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 Frequently asked questions

An annuity can do that