Permanent Life Insurance

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Protecting your family without worrying about it, it is possible with the whole life insurance from UL Mutual.

With only fixed payments, you can benefit from a comprehensive insurance policy that can be surrendered if future aspirations do not match earlier needs.

UL Mutual offers you 3 flexible products to meet your insurance need:


To access our full range of supplementary benefits, click here

Who can subscribe to a whole life insurance?

Whole life insurance fits the needs of the ones who wish to:

  • Ensure an adequate future for relatives
  • Plan their retirement
  • Leave money to their heirs
  • To take the time to find a business taker following a partner’s death.



Maximum flexibility

  • 8 options for premium payment period: to age 15, 25, 35, 45, 55, 65, 75 or 85 (minimum 20 years of payment)
  • 20 Pay option available to all ages (including age 0)
  • Option to add paid-up insurance at issue or at 3rd, 5th or 7th policy anniversary

Cash values

  • Among the highest in the industry
  • Best value for money on the market
  • Available from 10th policy anniversary
  • Partial or total surrender available
  • Option of borrowing against cash value


Additional paid-up insurance based on needs

  • Option to purchase paid-up insurance (Chapter B) at issue or at 3rd, 5th or 7th policy anniversary 
  • Available without proof of insurability
  • Financial needs of insureds can be adapted to their reality, up to 7 years after purchasing their insurance policy


Consult your financial security advisor to subscribe to this exclusive life insurance!




A whole life insurance for which you pay premium all your life.

Integral offers several advantages like interrupting payments as you wish, without losing money.

Stop paying and be insured... for life!

Free yourself at your will from insurance payments while being protected all your life. Once you definitively stop paying premiums, you will be covered by a reduce insurance equivalent to the total of paid premiums.

Buy back your insurance contract from your 75th anniversary

Cancel your contract and redeem a part of paid premiums. You will be able to use that capital for personal projects or to provide for your needs in case of health problems.

Contact your financial advisor to subscribe to a protection from a whole life insurance Adaptable or Integral.

Get a personal insurance