UNIVERSAL LIFE INSURANCE

Universal life insurance (UL) is a type of cash value life insurance. 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.

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UNIVERSAL LIFE INSURANCE

A universal life insurance option provides more flexibility than whole life insurance. Policyholders have the flexibility to adjust their premiums and death benefits. Universal life insurance premiums consist of two components: a cost of insurance (COI) amount, and a saving component, known as the cash value.

Much like a savings account, a universal life insurance policy can accumulate cash value. In a universal life insurance policy, the cash value earns interest based on the current market or minimum interest rate, whichever is greater. As cash value accumulates, policyholders may access a portion of the cash value without affecting the guaranteed death benefit. A policyholder will pay taxes on any withdrawals they make from the excess cash value of the universal life insurance plan. Also, depending on when the policy and premium payments are made, earnings will be available as either last-in-first-out (LIFO) or first-in-first-out (FIFO) funds. Upon the death of the insured, the insurance company will retain any remaining cash value. Beneficiaries will receive only the policy’s death benefit.

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UNIVERSAL LIFE INSURANCE.

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WHOLE LIFE INSURANCE.

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