Universal Life Benefits

Universal life insurance provides permanent life insurance protection and access to cash values that grow tax-deferred at competitive interest rates.

Flexible Protection- with the ability to choose the amount of protection that best suits your family or business, increasing or decreasing coverage as insurance needs change.
Flexible Premiums- with the option to increase the premium or make lump sum contributions, or pay less than the scheduled premium and let the policy's accumulated cash value cover the remainder.
Flexible Design- with riders that protect your spouse and children, protect your ability to pay premiums during disability, and increase the benefit to your family if you should die accidentally.

Why Ernst, Hienz & Macaluso L.L.C.

We work with a preferred agency that specializes in the design, installation, and administration of employee benefit plans. With clientele that range from sole proprietors to large corporations and municipalities, it is their goal to provide exceptional service and a variety of plans designed to fit your needs. They represent only "A+" rated insurance carriers, managed care companies, and third party administrators.