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Life Insurance
Universal life insurance gives you lifelong protection and the flexibility to adjust as your situation changes. Indexed Universal Life takes it further, linking your cash value growth to market performance without putting it at direct market risk.
Coverage Overview
Universal life policies provide permanent death benefit protection with flexible premiums and a cash value component. IUL adds the potential for index-linked growth on top of that foundation.
Permanent protection for the people who depend on you, with the flexibility to adapt the policy as your income and goals evolve.
As long as the policy stays funded, your beneficiaries receive the death benefit whenever you pass. No term expiration, no coverage gaps.
The death benefit covers what matters most to your family. Day-to-day expenses, outstanding debts, estate planning, or a financial legacy for the people you leave behind.
Why It Matters
Universal life and IUL are built for people who want permanent coverage and a policy that can do more than just pay out when they’re gone. The cash value component can play a real role in retirement planning, tax strategy, or leaving a legacy.
Catch Coverage members also get Lifemart savings on everyday purchases. A small perk that comes alongside coverage built to do more.
How We Help
From choosing coverage to using it, we’re here to help you make confident decisions at every stage.
Choosing coverage is just the beginning. We’re here to help you navigate coverage, adapt as life changes, and feel confident in the protection you carry every day.
Every policy has fine print, limits, deductibles, exclusions, and pricing differences that aren’t always obvious upfront.
We walk through how this coverage actually works, what affects the cost, and what you can expect if you ever need to use it. The goal is clarity, not confusion.
This coverage is one piece of your overall protection.
We help you see how it fits with what you already have, whether that’s other policies, bundled options, or existing protections, so everything works together the way it should.
Coverage doesn’t have to stop at protection alone.
As a Catch member, you may also have access to perks, savings opportunities, and rewards that add practical value beyond the policy itself. It’s about getting more from what you’re already paying for.
Deciding on coverage isn’t the end of the conversation.
If you need to make changes, review options, or revisit your policy down the road, we’re here. You won’t be navigating updates or renewals on your own.
Common Questions
A few things people usually want to understand before considering a universal life or IUL policy.
Both are permanent, but universal life gives you more flexibility. You can adjust your premium payments and death benefit over time as your situation changes. Whole life has fixed premiums and a more rigid structure.
An Indexed Universal Life policy ties your cash value growth to the performance of a market index like the S&P 500. You benefit when the index goes up, and a built-in floor protects you when it goes down.
Yes. You can borrow against or withdraw from the cash value for retirement income, a major purchase, or anything else. Loans don't require approval and won't affect your credit, though unpaid balances reduce the death benefit.
If the policy isn't properly funded, coverage can lapse. That's why working with an agent to structure the policy correctly from the start matters. We'll make sure you understand exactly how to keep it in force.
For some people, yes. The tax-deferred growth and tax-advantaged access to cash value make IUL a useful complement to a broader retirement strategy. An agent can walk through whether it fits your goals.
LEARN & EXPLORE
Explore helpful articles, tips, and guides to better understand your coverage and get more from your benefits.
Manage your policies, unlock savings, and stay on top of your protection, right from your phone.
Manage your policies, unlock savings, and stay on top of your protection, right from your phone.
Let’s Talk
An agent can walk you through how universal life and IUL work, what they cost, and whether they fit your financial goals.
Check out our coverage products for peace of mind, at home, on the road, and in your daily life.
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Member-only perks on travel, shopping, entertainment, and everyday essentials.
Manage your policies, unlock savings, and stay protected, all from your phone.
Find the right health coverage for your needs
Stretch your dollars further with Catch Health
Save on prescriptions at thousands of pharmacies nationwide, no insurance required.
Member-only perks on travel, shopping, entertainment, and everyday essentials.
Manage your policies, unlock savings, and stay protected, all from your phone.
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