Universal Life

Flexible Insurance to suit your changing needs


How it Works

With a Universal Life Insurance Plan, you can enjoy the flexibility of change. You can choose the amount of protection that best suits your family or business today with the . As the flexibility to increase or decrease coverage to suit your ever-changing needs.

The Benefits
  • Guaranteed death benefit.
  • Flexible premiums (amount and frequency)
  • Permanent coverage that can never be cancelled if premium payments are made when due.
Available Riders
  • Accidental Death and Dismemberment
  • Waiver of Premium Benefit
Protecting your family’s assets

Individual Universal Life can be an effective method of protecting your family's assets. by providing funds for your final and estate expenses so your loved ones can keep your assets and won't have to borrow. It can also help your dependents pay off mortgages and other outstanding debts in the event of premature death. Plus, your interest rates can appreciate in these plans improving your savings. Here are many of the great uses for your Whole Life Policy:

  • Mortgage protection
  • Retirement Funding
  • Education Funding for your children and grand children
  • In a cash crunch, make a withdrawal to take through the hard times.

If securing your assets and your family during and after your life is important to you, then a Universal Life Policy may be for you!



For more information, contact your nearest BAF office or send us an email, we’ll glady call you.

We are always waiting to serve you.


  • Whole Life

    Protect your Whole Life

    There is nothing more important than protecting the ones you love. You can get peace of mind from knowing that you and your loved ones are protected for life and that your savings are building every day. A Whole Life Plan offers guaranteed death benefits, low premium payments and permanent coverage with a savings component that grows over time.

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  • Term Life

    Protection on your terms

    Term Life Insurance offers affordable Life Insurance for a specified period of time. You can get the protection you need for a specific period of time at very affordable rates with guaranteed payments. it can be used as temporary life insurance, as an affordable alternative for a short term or for providing extra coverage while your children are still young. 

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  • Endowment

    Protection plus Money Back

    Our unique Money back Series offer the protection you deserve and money when you need, all while accumulating savings. With these plans you will  be paid a lump sum after a specified period of time. In the case of critical illness you may cash in early or receive a pay out to meet needs. Get access to “The Best of Both Worlds”…Protection and Cash; Coverage and Savings.    

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