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Universal Life

Universal life insurance was created to provide more flexibility than whole life insurance.  It allows the policy owner to shift money between the insurance and savings components of the policy.

Premiums, which are variable, are broken down by the insurance company into insurance and savings, allowing the policy owner to make adjustments based on their individual circumstances.

For example, if the savings portion is earning a low return, it can be used instead of external funds to pay the premiums. Unlike whole life insurance, universal life allows the cash value of investments to grow at a variable rate that is adjusted monthly.

To Find Out More About Universal Life Insurance, Give Us A Call at 240-580-1639, or Request a Quote.