Universal Life Insurance

Today's families have a variety of financial needs. Our Universal Life Insurance products may provide flexible options that help put your employee in control of their family's financial future. These products provide insurance protection with adjustable premiums, tax-deferred cash-value accumulation1 (according to current tax laws) and partial withdrawal privileges.

1 Universal life insurance builds cash value, which accumulates at the current non-guaranteed interest rate. Changes in the current non-guaranteed interest rate, current cost of insurance rates and current expense charges will affect the cash value. The current non-guaranteed interest rate will never be less than the guaranteed interest rate that is shown in the policy. Any modification to the interest rate in a policy is subject to Company guidelines, and in some cases, may be affected by Internal Revenue Service regulations. This communication is not intended or written to be used, and cannot be used by the recipient or any other person, for the purpose of avoiding any tax penalties that maybe imposed on such a person, and cannot be used or referred to, in promoting, marketing or recommending to another party any transaction or matters addressed herein.

Voya™ Employee Benefits insurance products and services in the U.S. are provided by ReliaStar Life Insurance Company (Minneapolis, MN) and ReliaStar Life Insurance Company of New York (Woodbury, NY). Within the State of New York, only ReliaStar Life Insurance Company of New York is admitted, and its products issued. Both are members of the Voya™ family of companies. Product availability and specific provisions may vary by state. Each insurer is solely responsible for the financial obligations under the policies or contracts it issues.