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Tennessee Universal Life Insurance

Security for every stage with universal life insurance

Our universal life insurance policies are designed to adjust to the dynamic nature of your life, providing not just a death benefit but also a range of living benefits. Whether you're looking for long-term financial growth, tax advantages, or the flexibility to adjust your coverage as your needs change, our universal life insurance offers a customizable solution.

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How does universal life insurance work?

Advantages of universal life insurance

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Download your proof of insurance, pay bills, file a claim, and manage your policies in one place with My Account.

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Here for you whenever, wherever you go
Download your proof of insurance, pay bills, file a claim, and manage your policies in one place with My Account.
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When you're ready, protect what matters most

Common questions about universal life insurance

Universal life insurance is ideal for those needing long-term coverage and desiring premium flexibility. Suited for individuals with complex estate planning or business ownership, it offers the potential for cash value growth on a tax-deferred basis. The ability to adjust the death benefit and access cash value adds adaptability for changing financial needs. If you think universal coverage is right for you, talk to one of our local agents to learn more.

Life insurance provides a safety net for your loved ones after your death. This type of coverage is essential if you have dependents who rely on your income, such as a spouse, children, or aging parents. It can help cover everyday expenses, mortgage or rent payments, education costs, and even outstanding debts or loans.

One of the most common questions people ask when choosing a life insurance plan is, 'How much coverage do I need?' The answer to this question depends on individual circumstances and financial goals. Typically, people opt for coverage that is equal to 5-10 times their annual income. However, it's important to take into account other factors such as outstanding debts, future expenses, and income replacement needs. Your Farm Bureau Insurance agent can help you determine the right amount of coverage to fit your needs.

Employer group life insurance is great as supplemental coverage, but ask yourself this: What happens to my employer coverage when I retire, change jobs, or get laid off? Group coverage is only good when you are part of the group. We have all heard the saying “Don’t put all your eggs in one basket.” Make sure you have planned ahead and bought individual life insurance so no matter what happens, your family will be protected.

Learn how universal life insurance can benefit you

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Tennessee's Insurance Company since 1948.

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Tennessee Farmers Insurance Companies

P.O. Box 307

Columbia, TN 38402-0307