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Universal life insurance (often shortened to UL) is a type of cash value life insurance, sold primarily in the United States. Universal Life Insurance premiums are paid into your policy’s account value (after a premium expense charge), where it earns interest. Every month, various deductions, such as...
“Universal” is the term used for life insurance that offers built-in flexibility to change your premiums and the amount of life insurance you carry throughout the life of the policy. A universal life insurance policy will accumulate value as the premiums are placed in an...
Why are so many people talking about IUL ( Indexed Universal Life)? IUL is popular because it achieves two separate goals: death benefit protection, and the potential for a unique type of cash value accumulation. It is a balance of financial security and the opportunity for...