Universal Life Insurance

Permanent, affordable insurance protection with tax-advantaged growth.

Figure 1 Sofie chooses Universal Life to help her kids with their life goals as she ages.


Universal Life means exactly that—a universal approach to life insurance, with a plan that can be adapted to your needs. You can choose the kind of death benefit you need, how you want to pay for it, and where you want to invest your money. Universal Life helps to pay for things like your mortgage or your children’s education if you die. However, as you keep paying for your policy, it can also grow a cash value, and you can use that money whenever you need it.

View Rates and Performance.



Investment Choices. Flexible Premium. Tax Savings. Life Insurance.


A Universal Life plan that fits your needs

Equitable Generations™

Equation Generation IV is also available and offers level cost of insurance option.

You can also add term and/or critical illness riders to complete your life and health needs in one simple policy.


Modern Investment Options

A wide range of investment options are available to you through the Equitable Generations plan. We also include options that apply ESG (Environmental, Social and Governance) principles.

To learn more, go to our rates and performance.

Want to know which options are best for you? Talk to your advisor to go over the Universal Life Investor Profiler Questionnaire!


Want to know more?

View our Equitable Generations playbook

View our Equation Generation IV playbook

Speak to your advisor today.

Sample policy pages





Why Equitable?

Our mutuality sets us apart from the rest. We strive to provide our policyholders with excellent, personalized service, security, and wellbeing.

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