Universal Life

Auto-Owners Universal Life insurance combines the benefits of life insurance with the ability to build cash value.


Cash Value

Universal Life policies have the advantage of building cash value. Cash value may be withdrawn in the form of a policy surrender or a policy loan (subject to surrender charges, loan interest rates and policy conditions).


The biggest advantage of a Universal Life insurance policy is its flexibility. The coverage amount, premiums and payment schedules can be adjusted to meet your changing needs.

Increase/Decrease Coverage

With Universal Life you may increase your death benefit (subject to underwriting) or decrease your death benefit at any time. As events in your life occur, you’ll be able to make changes to your policy.

Life Insurance Needs Estimator

Begin planning here to protect your family's future.

Estimate Your Needs

How do I get a quote?

Auto-Owners works solely through independent agents to ensure you’re getting the right protection from a skilled professional.

Contact an Agent