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Universal Life Insurance

Universal life insurance is an adjustable, flexible life insurance policy that accumulates cash values based on current interest rates.  A policyowner can increase or decrease the death benefit as needed without changing policies.  Universal life insurance cash values are affected by the folowing factors:

  • Premiums paid
  • Cost of insurance or mortality cost
  • Interest to the cash value – this credit depends on they type of universal life insurance

Death Benefit Options

  • Level Death Benefit – death benefit generally stays level for the life of the policy.
  • Increasing Death Benefit – The face amount of the policy + cash value.  The risk remains level throughout the life of the policy.


  • Cost of Insurance – cost of the term insurance based on the net amount at risk and the insured’s current age
  • Insurance Company Expenses – These expenses can be office rent, commissions, salaries, etc.


Other Types of Life Insurance

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