Garden by the Bay, Marina Bay Sands district. Singapore

Universal life policies that provide protection, security, and opportunity for growth

Manhattan Trust’s Protection Advantage Universal Life provides permanent insurance so you can rest assured knowing you are covered for life. You also have the opportunity to change the death benefit when needed.




Universal Life

Manhattan Trust universal life insurance is a flexible solution for individuals and families seeking value, protection, and growth.



What is universal life, and how does it work?


Premium payments are added to your policy's accumulation cash value. A percentage of each payment goes toward some of the expenses associated with the policy.


The balance earns interest. The interest is added to the accumulated cash value each month, providing compound growth. You gain access to this money gradually, if needed, through the policy's loan, partial withdrawal, and surrender provisions.

Accessing Earned Cash

As your accumulation cash grows, it becomes liquid. You can withdraw from your accumulation account value or borrow from the cash surrender value.



Why choose Manhattan Trust universal life products?

  • Guaranteed permanent protection
  • Flexible and customizable to adapt to a lifetime of changes, such as changing premium payment frequency or death benefit amount
  • Policyholder accumulates cash value
  • Option to earn interest on cash value
  • Can access cash value later to pay for expenses or emergencies
  • Policies supported with responsive, efficient and courteous service
  • Totally digital interface available 24/7 via secure portal


Manhattan Trust universal life riders that increase coverage:

  • Accidental Death and Dismemberment
  • Waiver of Cost of Insurance
  • Accelerated Death Benefit
  • Spouse Term Rider
  • Children’s Term Rider





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Term Life