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Are you sure you’ve calculated the right amount of life insurance to fully protect your family’s financial future? Calculator: How Much Life Insurance Do I Really Need? Skip to main content
Universal life insurance (often shortened to UL) is a type of cash value [1] life insurance, sold primarily in the United States. Under the terms of the policy, the excess of premium payments above the current cost of insurance is credited to the cash value of the policy, which is credited each month with interest .
Key Features of Universal Life Insurance. The main features of universal life insurance include: Permanent coverage: As long as you keep up with the minimum premium payments, this coverage sticks ...
There are several forms of universal life insurance, including variable universal life insurance and indexed universal life insurance. The interest rate earned by the cash value varies based on ...
There are several types of universal life insurance policies, including interest-sensitive (also known as "traditional fixed universal life insurance"), variable universal life (VUL), guaranteed death benefit, and has equity-indexed universal life insurance. Universal life insurance policies have cash values. Paid-in premiums increase their ...
Variable universal life insurance (often shortened to VUL) is a type of life insurance that builds a cash value. In a VUL, the cash value can be invested in a wide variety of separate accounts , similar to mutual funds , and the choice of which of the available separate accounts to use is entirely up to the contract owner.
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