• Flexible premiums and benefits to fit your life

Universal Life Insurance

Universal Life Insurance features interest-earning capabilities, along with reasonable, adjustable premiums and benefits, and a guaranteed death benefit paid by the insurance company.

According to the provisions of the contract, you can increase or decrease the death benefit, which will raise or lower your premiums. This flexibility in a long-term policy allows you to adjust the premium over time as your budget grows and provides permanent coverage so long as you continue to pay your premiums.

Product Features

  • Interest-earning long-term policy
  • Adjustable premium and death benefits
  • Tax-deferred accumulation of earnings

Product Benefits

  • Moderate cost
  • Guaranteed paid benefit
  • Usually pays income tax-free death benefit
  • Potential withdrawals or loans on the policy*

*Withdrawals may be subject to a 10% tax penalty if you are under the age of 59½.

Insurance Products

  • Not A Deposit
  • Not Guaranteed By The Bank Or Its Affiliates  
  • Not FDIC Insured  
  • Not Insured By Any Federal Government Agency  
  • May Go Down In Value  
  • May Be Purchased From Any Agent or Company and the Customer Choice
    Will Not Affect Current or Future Credit Decisions

Additional Disclaimers and Licensing Disclosures

Additional Information about Insurance Privacy Policies and Practices for Certain States


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Insurance Products, Investments & Annuities: Not A Deposit | Not Guaranteed By The Bank Or Its Affiliates | Not FDIC Insured | Not Insured By Any Federal Government Agency | May Go Down In Value
Insurance Products and Annuities:  May be purchased from any agent or company, and the customer’s choice will not affect current or future credit decisions.

FTB Advisors is the trade name for wealth management products and services provided by First Tennessee Bank National Association (FTB) and its affiliates.  Financial planning and trust services provided by FTB. Investment management services, investments and annuities provided by FTB Advisors, Inc. member FINRA, SIPC and a subsidiary of FTB.  Insurance products provided by FTB Advisors Insurance Services, Inc. (FTBIS). In some states, insurance products and annuities are provided by First Horizon Insurance Services, Inc. (FHIS), a Tennessee corporation and a subsidiary of FTB, CA License #OD12174. The principal place of business of FHIS is 165 Madison Ave., Memphis,TN. 38103. 

FTB Advisors, Inc., FTBIS and FHIS may offer annuities or transact insurance business only in states where they are licensed or where they are exempted from state insurance licensing requirements.  FTB Advisors does not offer tax or legal advice.  You should consult your personal tax and/or legal advisor concerning your individual situation.

©2013 First Tennessee Bank National Association. www.firsttennessee.com