Adaptable Permanent Life Insurance by UL Mutual

Features and Benefits

Adaptable permanent life insurance offered by UL Mutual allows you to leverage adequate legal protection at no extra cost. It covers 8 legal fields, namely, personal, real estate, assets and property, family, business, labor, consumer protection, and civil liability and litigation. Besides, you can opt for this insurance plan without any proof for insurability.

The insurance plan includes two chapters, namely, a basic option (chapter A). This is a term insurance that insures up to $100,000. The second chapter, chapter B, is optional. It is a permanent insurance option.

Adaptable permanent life insurance has one of the highest cash values in the industry, you can even borrow against your cash value.

The premiums can be paid in 8 premium payment periods namely to age 25, 35, 45, 55, 65, 75, and 85. Only a minimum of 20 years of payments is allowed.

Legal assistance is also included in the plan at no extra cost. This covers 8 legal fields namely, personal, real estate, assets and property, family, business, labor, consumer protection, and civil liability and litigation.

You can opt for this insurance plan without any proof of insurability.

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Life

Additional resources

Learn more about life insurance from these informative articles to help you decide in choosing the best plan for you.

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Lanie Velasco-Jn Charles

So quick and efficient. Sourabh was very accommodating and helpful to what I needed for health insurance. They were able to call me back without having to have waited 1-2 business days. Love it!

Kenneth Schock

To ensure continued confidence that our long term health needs will be maintained.

Angie Mena

Christine helped me over the phone and was amazing and respectful

Steve Kriston

It was convenient and easy. Chris couldn’t have treated us better if he’d been sitting right beside us. Great experience!

Karen Roberts

The application process was easy and they were able to get me a great rate! The customer service was excellent!

Laura Christina

Very quick and formative.

Robert McLean

He was so nice to me told so much about it thanks so much

Charlaine Banfield

Gautam was very helpful in making my decision about which insurance to purchase. I would recommend this insurance company

Adam Diamond

George was helpful quick and knowledgeable with helping me find something suitable and that worked best at that. I definitely recommend Insurdinary for all of your insurance needs. Thanks George!

Holly Hanna

Very polite and courteous! Def a thumbs up ☺️

Kathy Jackson

Make it possible to contact a CSR who doesn't transfer me around 7 times before telling me they can't find their own policy issued to a customer - a policy number taken from their own letterhead!! I will tell everyone I know, in every way, to avoid your company at all costs. If I have to, I will contact CBC W5 or Marketplace. Manulife, you have messed with the wrong estate executor!!

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Love Maria

Very helpful very easy....good job.

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Fay Greenholtz

Eric Clementi was very helpful

Bernard Madden

Both R'ceino Ewing and Dornaz were very informative, served me efficiently and responded to my needs in a timely basis. I now can travel without worry. I thank you both.. Bernard Madden

Tracey-Anne Lee

I highly recommend this insurance company. Artmiz was my agent. She was polite, informative, patient, efficient and made me feel like family. Their prices are better than other travel insurance and have great coverage. This is who I will be with for my future vacations and will definitely recommend to friends and family. Thank you Artmiz for making this transaction smooth. Much appreciated.

Glenn Gowriluk

Artmiz provided us with thorough and friendly service and advice in purchasing travel insurance. 5 stars!!

Brian Bigelow

Excellent service. Interprets meds review accurately.

Gary Bolshin

Artmiz was very efficient and professional. She followed up and ensured we got the best rate and package for our travel needs

Linda Beatson

It was a very convenient process. The agent was very helpful and I was able to get the coverage I require.

Joanne Hebb

Dylan and Eric were very helpful on my search for travel insurance. They were very friendly as well. I was glad to use them for info.

Clifford, Deborah

We spent considerable time with Dylan on the phone on several occasions and his patience and explanation of the policy was second to none. He is knowledgeable and thorough and extremely well spoken and mannered. We were then passed on to Eric and the response was the same. This company has our travel insurance business forever. Thank you Dylan & Eric.Clifford & Deborah Horsfall

Bernadette Wyllie

Service was excellent with Eric

Janice Bethune

Elaine Morelli

Traci Albert

Agents were helpful and personable

Kara Walker

Eric was quite helpful in suggesting insurance coverage best suited to my needs and quickly took care of getting me all signed up once I made the decision to move forward

mac mchenry

Kent Carstairs

Armando Perez

Easy to work new insurance when your agent Felipe Portes is effective, know his product and try to find the best product for your needs. Looking for insurance is jungle of options, so nice to have someone to direct you. An no stress experience.

Shirley Hartling

Agents were very courteous, helpful, and processed the purchase of my policy in excellent time. The cost of the policy was very competitive. I would use Allianz again with no quandaries.

Ken Zwicker

Russell Anderson

Michele Hicks

very easy and polite to deal with

Gail Levangie

While the customer service agents were great and very helpful - Maria and Eric -Trying to get access to the documents was extremely frustrating. Entered the password at least 6 times all rejected. Want info before I leave.. don’t want to deal with this in the event of an emergency

Morris MacKay

I was treated with the upmost respect and kindness by Dornaz. Very professional.Thank you so much

Marlene

Very good and thorough serviceThank you

Gary Oliver

The lady (Christine) who we spoke to about the health/dental insurance was very helpful and friendly. She was very knowledgeable. She was very pleasant and made the whole conversation easy. She was very easy to understand. Thanks

Robin

Great service! Friendly & fast service! Dornaz made sure I had the best price

Joseph Szucsik

Kim Marcotte

Christine was very professional and answered all my questions. I felt very much at ease and feel l made the right choice goingvwith Manulife Insurance.Thank you Christine

PAT BEAUDOIN

I called for a quote on getting travel insurance for my upcoming trip to the US, Dornaz from Alliance Income was such a pleasure to deal with! She was thorough and got me a great deal, I will definitely recommend her and the company to others.

Rossana McTavish

Great service. Quick and efficient quote and very well priced. Sehar B. was excellent to deal with.Allianz was the first to send out the quote from a list of companies I contacted.

Ray Irwin

Knowledgeable, fast and courteous

Roger Patton

Filipe P. was my Allianz Rep. on this Emergency Medical trip insurance transaction. I had a great experience booking this insurance through Felipe. He was very courteous, efficient and helpful and provided me with all the information I needed to complete the transaction. Thank you Filipe for being a very good representative for your Company.

Josh Dew

We dealt with Dornaz for our travel insurance for our family of 5. She got us amazing insurance. At a great price. A piece of mind for my wife and I to take the kiddos on a 3 week vacation! Thank you Dornaz we very much appreciated all your help!!

Don Lajeunesse

Azaria was very helpful as she explained every step in a way I could understand. Eric was equally as knowledgeable and helpful. Thanks again Azaria and Eric.

Debbie McNeil

It was quick and painless. The girl that took care of me was well spoken and knowledgeable. I would definitely deal with this company again.

Bhaskar Reddy

Excellent

Jamin Mast

Eric was very respectful and made it very clear and simple. I would highly recommend.

Alaa Mahgoub

Excellent representative

Van Hai Nguyen

Fast

Mala Sahai

Friendly prompt service

Mona Lee Currie

Twice today, I interacted with Daniel, insurance agent extraordinaire. He found insurance for my husband, who has a few health problems. We also discussed various ways of making the policy more cost effective. I feel very comfortable discussing various ins and outs of my policy. He always let's me know all the things I need to know so that I don't run onto trouble of any kind. Our insurance this time is with Allianz.

Zack Kunkel

Very helpful and had no complications

Krystyna Skwira

Ivy Blue

He was easy to talk to when asking questions. He was very clear when explaining the product he made it easy to want to invest in my self.

Hemantkumar Godbole

I am happy about the service from Ummi Hanny her honest service surely assets for her company i wish Ummi good luck and happy new year

Francois Wentzel

Ruth Matthews

Frances Wong

Sahar was a pleasure to work with. Her patience and calm demeanor were admirable. I asked her to give me time to compare prices and every time she called me back when I had asked her to (at least 5 times over a period of months). Her knowledge and advice on various options for me made the decision a bit easier to make.

Josh Dale

Terrible! I wouldn’t even leave a star, but you have to at least choose one!I had submitted an insurance policy, and as it was still pending, I cancelled (a few hours later) - over email. I did not receive an email back! I have since sent 2-3 more emails and inquiries from their website to cancel the pending policy. No response!I go on my online banking, and was charged 100+ dollars (which is what I was trying to avoid). I tried to inquire about it, no response!On top of that, I got charged the money - and have not been contacted by a single broker, have not received a single package, have not received any information whatsoever, so basically I got charged money for nothing!Terrible! I do not recommend!

Richard Lean

First time booking travel insurance for myself, and not sure what to look for. Contacted Insurdinary on line one evening and they responded next day. Vary happy with first contact, Ummi and information supplied. Received a quote, very quickly, and advised I would check with my daughter first (I'm 82 years old). Ummi called back next day and everything arranged at a very nice price. Highly recommended, from a happy old man.

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Rachael Coleen

Mfarnoo Ess Kkayy

Andile Hlela

Ndim UTatakho Nyana Ungoyiki

Jordan L Reyes

Tomy Kakule Kihese

Mary Adeniji

Tasha Manase Iv Beabyy

Mogelo Kammuu

Lanie Velasco-Jn Charles

So quick and efficient. Sourabh was very accommodating and helpful to what I needed for health insurance. They were able to call me back without having to have waited 1-2 business days. Love it!

Kenneth Schock

To ensure continued confidence that our long term health needs will be maintained.

Angie Mena

Christine helped me over the phone and was amazing and respectful

Steve Kriston

It was convenient and easy. Chris couldn’t have treated us better if he’d been sitting right beside us. Great experience!

Karen Roberts

The application process was easy and they were able to get me a great rate! The customer service was excellent!

Laura Christina

Very quick and formative.

Robert McLean

He was so nice to me told so much about it thanks so much

Charlaine Banfield

Gautam was very helpful in making my decision about which insurance to purchase. I would recommend this insurance company

Adam Diamond

George was helpful quick and knowledgeable with helping me find something suitable and that worked best at that. I definitely recommend Insurdinary for all of your insurance needs. Thanks George!

Holly Hanna

Very polite and courteous! Def a thumbs up ☺️

Kathy Jackson

Dee Garrett Gauthier

Edward Fayer

The easiest way to find an insurance plan that works for you!

Nicole Florendo

Get Quotes and Compare the lowest and best insurance rates now!

Widya Febrina

Love Maria

Very helpful very easy....good job.

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COMPARE CREDIT CARDS

OUR FEATURED CREDIT CARDS

CREDIT CARD REVIEWS

CREDIT CARD GUIDES

CANADA RESOURCES

INSURANCE

POPULAR

IN THE PRESS

RESEARCH STUDY

Adaptable Permanent Life Insurance

The Life Time Protection You Really Need

Features and Benefits

Similar UL Mutual Insurance Products

Additional resources

Insurdinary App Features - Simplified Financial Tracking

EQ Bank 2023: Reviewing the Savings Plus Account & GIC Rates

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Get A Quick, PersonalizedQuote Today

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