What is Universal Life Insurance
We provide a wide range of term life insurance policies to meet your needs. We promise to help you find the best option with a smile and to your highest level of satisfaction.
Universal Life Insurance
Universal life is a type of permanent life insurance that provides coverage for your entire life—as long as minimum premiums are paid. It includes a cash value component that earns interest and can be used to offset future premiums or supplement income.
Unlike whole life, universal life gives you more control. You can adjust your coverage and payments as your needs change, making it a versatile option for long-term planning.
Key Benefits
• Lifetime coverage — protection that lasts your entire life
• Flexible premiums — adjust payments within policy limits
• Adjustable death benefit — increase or decrease coverage over time
• Cash value growth — earns interest and grows tax-deferred
• Access to funds — borrow or withdraw from cash value (subject to policy terms)
Is Universal Life Right for You?
Universal life insurance may be a good fit if you:
• Want permanent coverage with flexibility
• Expect your financial needs to change over time
• Are planning for retirement or estate needs
• Prefer a policy that can adapt to your goals
• Want to build cash value with interest-based growth
Why Choose Mauldin Insurance Group?
We’re a locally owned, independent agency based in Lexington, SC—serving families and businesses across South Carolina and North Carolina. Our mission is to make insurance simple, clear, and empowering.
We take the time to explain your options, answer your questions, and help you find the right fit. No pressure. Just honest guidance and personalized service.
Serving South Carolina & North Carolina
We proudly serve clients in:
• Columbia
• Charleston
• Greenville
• Myrtle Beach
• Rock Hill
• Lexington
• Charlotte
• Raleigh
• Durham
• Greensboro
• Wilmington
• Asheville
Let’s Talk
Ready to explore universal life insurance?
We’ll walk you through your options and help you make a confident, informed decision.
📞 Call us today or request a quote online.
We’re here to help—every step of the way.
How do we work
At Mauldin Insurance Group, we don’t just sell policies—we guide you through life’s most important decisions with clarity, care, and integrity. When it comes to term life insurance, our process is built around you.
The easy way to start
1.
We Listen First
Your goals, your family, your budget—these shape everything. We start with a conversation, not a sales pitch.
2.
We Educate Clearly
We break down term life insurance in plain language, so you understand what it covers, how long it lasts, and what it costs.
3.
We Compare Top Carriers
We shop across trusted insurance providers to find competitive rates and strong coverage options tailored to your needs.
4.
We Customize Your Quote
Whether you need 10, 20, or 30 years of protection, we help you choose the right term length and coverage amount—no guesswork, no pressure.
5.
We Stay Local and Accessible
Based in Lexington, SC, we serve families and businesses across South Carolina and North Carolina, offering personal attention and ongoing support
What People Say About Us
