What is the definition of a universal life policy? How does universal life insurance work, would this policy tit your need for life insurance coverage.
About 20 years ago the life insurance industry was concerned more than usual the "buy term and invest the difference" advocates.
As a result the actuaries went to work, not only to improve term life insurance policies, but also to come up with viable combinations of investment instruments and term life insurance.
Together with variable life the universal life insurance policy was born.
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The definition of universal life insurance is as follows. Universal life
is a term life insurance policy with a saving element attached.
It is even more flexible than a whole life insurance policy in some ways in that the death benefit, premium and savings element can be changed at any time to fit the desires and financial situation of the policy owner.
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I recently did some research on the development of the 30 year term insurance policy over the years. What I learned was quite interesting.
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