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30 articles · Updated Jul 2026
Policy Types
One of universal life's key advantages is the ability to change your death benefit as your needs shi…
Monthly cost of insurance charges directly reduce your cash value. Learn how these charges…
Universal life lets you adjust premiums over time — but there are rules and risks. Here's …
Not all universal life policies offer the same protections. Learn the difference between g…
The interest crediting method determines how your cash value grows. Understand declared ra…
Universal life offers two death benefit options — Level and Increasing. Understand what ea…
Policy illustrations show projections — but they're often misleading if you don't know wha…
IUL policies link cash value growth to a market index — but with limits. Learn what floors…
IUL and VUL both offer growth potential, but they work very differently. See which policy …
From cost of insurance to net amount at risk and corridor factor — a reference guide to th…
Universal life's flexibility shines at certain life stages — income growth, business owner…
From guaranteed returns to unlimited flexibility — common myths about universal life insur…
Paying more than the minimum premium into a universal life policy can accelerate cash valu…
Borrowing against your universal life cash value sounds flexible — but unpaid loans can de…
Before signing onto a universal life policy, these are the questions that reveal whether t…
A universal life policy needs active monitoring. Use this checklist to review your cash va…
Second-to-die universal life policies cover two people and pay out on the last death — mak…
Understand how cash value accumulates inside a universal life policy, how interest is cred…
Everything you need to know about universal life insurance — from policy structure and cos…
Traditional, indexed, variable, and guaranteed UL policies each work differently. A struct…
Cash value inside a universal life policy grows tax-deferred — but withdrawals and loans h…
New to permanent life insurance? Learn the fundamentals of universal life — how premiums w…
Universal life offers genuine flexibility, but it also carries complexity and risk. A bala…
A clear breakdown of universal life insurance — its structure, cash value mechanics, and w…
Term life is simpler and cheaper, but universal life offers lifelong coverage and cash val…
Compare universal and whole life insurance side by side — premiums, cash value growth, fle…
Universal life can serve multiple financial goals — income replacement, estate planning, a…
VUL policies let you invest cash value in sub-accounts — but market losses can erode your …
Universal life isn't right for every situation. Understand the financial profiles and goal…
Underfunding a universal life policy can cause it to lapse unexpectedly. Learn the warning…
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