Few insurance professionals use fixed rate universal life insurance for cash accumulation today due to the low interest environment. However, the policy can still work well as a low cost death benefit policy with flexibility. Our V-Pro UL II is built for low lifetime premium payments on a specified death benefit. It's attractive long-term cost of insurance (COI) structure can make it an excellent protection policy for your clients.
Virtus Basic II is the permanent conversion product for Ohio National’s “basic” term life insurance products. It is an ideal fit when there is a need for higher early cash value or small face amounts ($25,000 minimum issue).