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Universal Life Rates Explained

The universal life insurance product is relatively new. Unlike a temporary term life insurance policy, a universal life insurance policy is permanent. Provided the policy owner pays the premiums according to the schedule, the policy remains in force until it matures. Maturity most often ...

Where to Buy Top Universal Policies

For people with the foresight to recognize that their need for life insurance may be permanent and that their financial life will evolve through several different stages, a universal life policy is one of the best alternatives for life coverage.   Combining a low cost death benefit ...

An Explanation of Universal Life Insurance

Universal life insurance was launched in the early 1980’s at a time when interest rates were historically high and its forebear, whole life insurance couldn’t satisfy consumer appetites for high returns that were available in bank CDs and money market accounts.  Universal ...

A Good Universal Life Insurance Plan

Since it was first introduced in the early 1980’s, Universal Life Insurance plans have become a popular choice for consumers looking for a low cost alternative to owning a permanent life insurance policy. Since its inception, Universal Life Insurance has undergone several iterations in ...

Buy Universal Life Insurance

Universal life is a relatively new kind of permanent life insurance policy. To find and buy universal life insurance, applicants should first understand how universal insurance works. Like whole life, universal life represents a contract between the insured and the insurance company. In ...

Universal Life Insurance Companies

Universal life insurance companies sell universal life insurance, along with other types of permanent and term life insurance. Some insurance companies have been selling universal life for quite some time. For others, universal policies are ...

Universal Life Insurance Policies Explained

Life insurance is most commonly divided into two categories: Term and permanent. A term life insurance policy is temporary. It is purchased for a specific period of time and matures when the payment of premiums stops, the death benefit is paid or if at the end of the term, the insured is ...

Get Info On Universal Life Policies

Universal life policies are valuable but complex insurance contracts that provide for a death benefit to be paid to a beneficiary in the event of the death of the insured person.  Although life insurance is the primary feature of universal life policies, a secondary feature is a savings ...

Getting to Know Universal Life Insurance

Universal life insurance is a flexible version of whole life insurance or permanent insurance. What makes this type of policy attractive is that unlike traditional versions of whole life, universal life insurance lets the policy holder change options during the policy term. Many of the ...

Indexed Universal Life Insurance

Indexed universal life insurance is permanent life insurance that possesses the same features as universal life insurance but adds one additional feature – the investment performance within the cash account is tied to a financial index. Most often, the index will be based on equity ...

Universal Life Insurance Definition

Universal life insurance is a form of permanent insurance that evolved out of the experience with whole-life insurance. The defining features of universal life insurance are flexibility of premiums and the death benefit. Most of this flexibility derives from the policyholder’s ability to use ...