Term Life Insurance: Hints, Tips, and SuggestionsTerm Life Insurance Guide |
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Universal life insurance is protection under which a policyholder may pay premiums at any time, in virtually any amount, subject to certain minimums. The policyholder can also change the amount of insurance more easily than under traditional policies. In a universal life insurance policy, the amount of the cash value reflects the interest earned at current interest rates and the total amount and timing of premiums paid, minus the cost of insurance and expense charges. The level of cash value is "interest-sensitive," which means that the amount you accumulate varies according to the general financial climate. Rates are usually guaranteed for one year, and then a new rate is determined. The rates used can be no lower than a guaranteed rate specified in the policy (typically 4 or 4.5 percent).
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