Snapshots Your life is marked by images. Prepare for the unexpected, so you can keep those pictures going. Share | Have A Question About This Topic? Name Email Address Question Thank you! Oops! Related Contents Surprises Making the most of surprises is a great reason to work with us. Universal Life Insurance Universal life insurance is permanent insurance with a flexible premium. Here's how it works. Long-Term-Care Protection Strategies The chances of needing long-term care, its cost, and strategies for covering that cost.