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Universal Life Insurance

Flexible Coverage with Investment Potential

What is Universal Life Insurance?

Universal life insurance is permanent coverage with flexible premiums and a cash value component that can be
invested. It allows more control over premium payments and death benefits, and cash value can potentially
grow based on market-linked options.

How It Works:

  • Premiums can be increased or decreased within policy limits
  • Cash value grows based on selected investment options (market index, participating fund)
  • Death benefit can be adjusted, subject to insurer rules

Tips / Things to Watch For:

Investment performance affects cash value

Requires regular monitoring and management

Fees and insurance costs can reduce growth

Monitoring and Adaptation

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FAQs:

Can I change premiums?

 Yes, within policy limits.

Is there a risk to cash value?

Yes, market-linked options can fluctuate; guarantees vary.

Can I adjust the death benefit?

 Yes, subject to policy and underwriting limits.

Who It's For:

  • Professionals and business owners
  • Individuals who want flexible coverage and investment growth
  • Those planning for estate and tax efficiency

Benefits:

  • Flexible premiums and death benefits
  • Potential for higher cash value growth
  • Can combine insurance protection with investment strategy