Universal Life Insurance

Welcome to the course Understanding Universal Life Insurance.

In today’s financial world, clients are looking for flexible solutions that can adapt to both their protection needs and long-term goals. Universal Life Insurance — or UL — is one of the most powerful and versatile tools in the insurance industry.

But with flexibility comes complexity.

In this course, we’ll break down the structure of UL policies, explore how cost and benefit options work, and help you develop a strategic mindset when presenting these products to clients.

Whether you're new to the industry or looking to deepen your knowledge, this training is designed to give you the confidence and clarity to design sustainable, goal-oriented policies.

Let’s get started and learn how to turn Universal Life into a powerful solution for every stage of your client’s journey.

In this lesson, you'll learn how to navigate ivari’s illustration software specifically for Universal Life (UL) insurance. This is a practical, step-by-step walkthrough that shows you how to create, customize, and export a UL illustration for your clients.

You’ll learn how to:

• Log in and access the illustration tool.

• Set up a new UL illustration.

• Choose product parameters like cost of insurance (YRT or Level), bonus options, and death benefit types.

• Input client data and funding scenarios.

• Generate a professional and compliant illustration report.

This training is ideal for advisors who are new to ivari’s platform or looking to sharpen their technical skills in presenting UL solutions clearly and efficiently.

In this lesson, you’ll learn how to complete and submit a Universal Life (UL) insurance application using ivari’s digital platform. We’ll walk through the full application process—from selecting the product and setting up the case, to navigating the e-application system and finalizing submission.

What you’ll learn:

• How to launch and prepare a UL case in ivari’s advisor portal.

• Step-by-step guidance on filling out the e-application.

• How to include riders, customize death benefit options, and select COI structures.

• Tips for avoiding common application errors.

• How to track the application status and complete outstanding requirements.

This lesson is perfect for advisors looking to streamline their sales process and ensure smooth, accurate submissions of UL policies through ivari.

This lesson will guide you through the process of creating a Universal Life (UL) insurance illustration using iA’s illustration software. You'll learn how to set up accurate and client-specific projections, compare funding options, and understand how different COI and death benefit structures affect long-term performance.

By the end of this session, you’ll be able to:

• Navigate iA’s illustration platform efficiently.

• Build customized UL illustrations based on your client’s goals.

• Adjust premiums, bonuses, and policy structures.

• Export compliant and visually clear reports.

This training is perfect for advisors who want to confidently use iA’s tools to deliver strategic and well-designed UL proposals.

This lesson will show you how to complete and submit a Universal Life (UL) insurance application using iA’s digital platform. You’ll learn how to navigate the application system effectively and ensure all required details are properly entered for a smooth submission process.

What you’ll learn:

• How to initiate a UL application through iA’s advisor portal (Assure&Go or EVO, depending on the product).

• Step-by-step walkthrough of the e-application, including client info, product selection, and funding details.

• How to add riders and adjust COI and death benefit structures.

• How to manage signature collection (in-person or remote).

• Submission tips and how to track application progress through iA’s system.

This training is ideal for advisors who want to confidently complete UL applications with iA and minimize processing delays.