Skip to main content
    • Unlimited icon

      Permanent insurance as long as you pay your premiums

    • Stack of Money

      Builds additional cash value

    • Arrows

      Flexible premiums

  • Flexible Coverage for a Lifetime:

    First National Insurance Agency offers a range of products to meet your needs at different stages of your life. Universal Life Insurance is permanent life insurance designed to provide you with a death benefit in the event of your premature death while also providing you the flexible options you need to manage your finances. Universal Life Insurance covers you for as long as you live (provided you pay your premiums on time), whereas term life insurance is in effect for a specific number of years.


    A Universal Life Insurance policy from FNIA may be for you if you need a flexible premium payment schedule while looking for a permanent life insurance product with a cash value component. You have the flexibility to increase the death benefit or adjust the premium payments, but you must maintain the cash value and make up for the missed payments or the policy could lapse. This policy is best suited for those who anticipate fluctuations in their financial situation and need flexibility in payments or wish to borrow against the accumulated cash value of the policy.

    Product Features:

    • Permanent insurance as long as you pay your premiums
    • Builds additional cash value
    • Flexibility to borrow against the cash value, increase the death benefit, or adjust the premium payment, depending on your financial circumstances
  • Ready to Get Started?

    Whether you prefer to apply or speak to one of our licensed advisors, we have convenient ways for you to get started. If you opt to speak to an advisor, please have a copy of your current insurance policy for the policy you would like to discuss.

With any account, you also get the latest in digital technology:

Products With You In Mind

FNB offers a full breadth of products and services for your needs.


  1. Article

    Protect Your Personal Effects

    Could you afford to replace all the belongings in your rental home or apartment? Renters insurance protects you in the event of lo...

  2. Article

    It's Never Too Early to Start

    For people new to the full-time work force, investing money for future goals may seem out of reach. Yet, starting to invest at an ...

Notices & Disclosures

Insurance products are sold by First National Insurance Agency, LLC and its licensed agents. Insurance products are: 

Not FDIC Insured No Bank Guarantee May Lose Value
Not Insured by Any Federal Government Agency Not a Bank Deposit


Subject to investment risks, including loss of principal amount invested. First National Insurance Agency is a subsidiary of F.N.B. Corporation.

0 items in your cart

Cart Proceed to Checkout

Product video