However, our opinions are our own. See how we rate life insurance products to write unbiased product reviews. Universal life insurance is a type of permanent life insurance with greater flexibility.

It's free, simple and secure. Universal life insurance offers lifelong coverage, provides flexibility when it comes to paying premiums and choices for how the policy’s cash value is invested. A ...

Universal life insurance offers more flexibility than whole life insurance, as it allows policyholders to adjust their premiums and death benefits within certain limits. This type of permanent ...

Guaranteed universal life insurance has fixed premiums over your lifetime. With guarantee periods between 90 and 121 years, the policy typically outlasts the policyholder, all but guaranteeing the ...

Learn more about it. As a form of permanent life insurance, variable universal life (VUL) offers two things. First, it pays a death benefit to the policyholder’s beneficiaries. Second ...

universal life or variable life insurance. Both term life and permanent life insurance often offer a disability coverage rider. After all, your business may be impacted whether a key person dies ...

Whole and universal life are permanent life insurance products that stay in ... Premiums reflect the risk-adjusted price for covering a defined risk over a period of time and are based on such ...

Indexed universal life (IUL) insurance is a type of permanent life insurance that combines a death benefit with a cash value component, offering policyholders the opportunity to grow their savings ...