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	Universal Life Insurance Quotes \| Online Guide \| Request Company Policy Rates
		Nothing gives an insurance company a bigger fl eye than a policy for which a client has paid years of premiums, only to discover that he or she has no insurance.
		Universal life is a flexible policy that combines features of term and whole life.
		Universal life generally has the same riders and waivers available as term or whole life, but they affect the policy a little differently.
	www.1stinsurancequotes.com /universal-life-guide.htm (852 words)

	Universal life insurance - Wikipedia, the free encyclopedia
		Universal life is similar in some ways to, and was developed from whole life insurance.
		Universal life is more flexible than whole life in two primary ways: the death benefit and usually the premium payment are flexible.
		The primary difference is that the universal life policy shifts some of the risk for maintaining the death benefit to the insured.
	en.wikipedia.org /wiki/Universal_life_insurance (762 words)

	Variable universal life insurance (Site not responding. Last check: 2007-10-26)
		Variable universal life is also considered to a type of permanent life insurance, because the death benefit will be paid if the insured dies any time up until age 100 as long as there is sufficient cash value to pay the costs of insurance in the policy.
		In one theory of life insurance, needs based analysis, life insurance is only needed to the extent that assets left behind by a person will not be enough to meet the income and capital needs of his or her dependents.
		In one form of variable universal life insurance, the cost of insurance purchased is based only on the difference between the death benefit and the cash value (defined as the net amount at risk from the perspective of the insurer).
	www.worldhistory.com /wiki/V/Variable-universal-life-insurance.htm (1801 words)

	Universal Life Insurance (Site not responding. Last check: 2007-10-26)
		Universal Life Insurance was the industry’s answer to the high inflation Seventies.
		If you need permanent insurance, cannot afford whole life insurance, and can live with the possibility that you premium will increase in the future, then universal life may be the best choice for you.
		When you purchase a Universal Life Insurance policy, you are betting that the assumptions made by the insurance company in their illustrations will come true.
	www.reganinc.com /Quotes/universaltext.htm (602 words)

	Life Insurance Options (Site not responding. Last check: 2007-10-26)
		Some can also be converted from a term to whole life or "universal" policy during the term, again without needing to requalify.
		Whole life is generally undesirable for younger people with small children who can't afford the high premiums during the early years of the policy.
		Variable Universal Life Insurance is a type of whole life insurance that combines the premium payment and coverage flexibility of universal life insurance with the investment opportunity (and risk) of variable life insurance.
	www.nolo.com /encyclopedia/articles/ep/li_options.html (1571 words)

	Insurance Services - Variable Universal Life
		Life Insurance gives you an opportunity to grow your assets on a tax-deferred basis for your retirement and provides you with an income tax-free death benefit for your family if you should die prematurely.
		Life insurance, when structured properly, is one of the few vehicles that can offer you both tax favored benefits during your lifetime and an income tax-free death benefit at your death.
		Life insurance can be used as a retirement planning tool because you can withdraw or borrow money from it during retirement.
	www.smithbarney.com /products_services/planning_services/insurance_services/variable_universal_life.html (881 words)

	Understanding Universal Life
		Life insurance is a unique financial instrument that can be used to support a variety of needs.
		Universal life “UL” is one of the most versatile types of life insurance.
		One of the most common uses of universal life is to replace lost income due to the death of the breadwinner.
	www.ncbenefits.com /benefits/understanding_universal_life.htm (1802 words)

	Financial Services: Calculators (Site not responding. Last check: 2007-10-26)
		The first type of permanent life insurance that we look at is universal life insurance.
		With universal life insurance, you invest a part of your premiums in a money market account or similar investment that earns a stable, positive rate of return.
		While the invested premiums of a universal life insurance policy are generally restricted to safe, low-yielding investments, a variable universal life insurance policy lets you invest a portion of premiums in riskier investments such as stocks and bonds.
	partners.financenter.com /eecu/learn/guides/termlife/termvsuniversal.fcs (329 words)

	Universal Life Insurance (Site not responding. Last check: 2007-10-26)
		Universal life is a type of whole life insurance.
		Universal life often gives a high interest rate when inflation is high, even though the insuring company only guarantees a low rate.
		Advantages of universal life include that the savings part of the policy usually grows at a faster, higher rate than the cash value of whole life.
	www.lifeinsuranceadvice.org /universal_life.html (498 words)

	AllOptions.com - Compare Universal Life Insurance Quotes - Universal Life Insurance
		Universal life insurance is whole life and a form of cash value life insurance where the insurance premiums and amount of coverage are flexible.
		Universal life insurance as with whole life insurance has an investment component as well as a death benefit, but the policyholder, has the right to increase or decrease the investment amount.
		Universal life insurance policies are attached to short-term interest rates, often making their rate of return higher than whole life, but this also means you're at greater risk when interest rates drop.
	insurance.alloptions.com /universal-life-insurance.asp?id=10688 (161 words)

	Universal Life Insurance Information and Explanation (Site not responding. Last check: 2007-10-26)
		Universal life does not have these guarantees but there are now universal life policies where you can add a feature that guarantees that the insurance will last the rest of your life.
		Universal life (or whole life) covers an event that’s certain to happen; one’s death, while term covers you for the possibility of you dying during the term period.
		If the insurance companies projections on their universal life policy do not come through, then you may have to come up with higher premiums later, have lower than expected cash values or even lose the policy – but…..
	www.lifeinsure.com /lifeinsurance/universallife.asp (577 words)

	Roger Goldberg - Universal Life Insurance
		Perhaps those of you with some insurance acumen or a Universal Life Insurance policy are puzzled by my not including Universal Life as one of the major types of life insurance.
		With Universal Life, the premium is typically established at a level greater than the amount dictated by mortality tables.
		You have been notified that the Universal Life Insurance policy you purchased at 35 is in imminent danger of being terminated or requires substantially higher premiums.
	www.besure2insure.com /univ.htm (421 words)

	TermInsuranceWeb - We offer universal term life insurance
		In life policies, if an insured lied as to the condition of his health at the time the policy was taken out, that lie could not be used to contest payment under the policy if death occurred after the time limit stated in the incontestable clause.
		In life insurance, it is the person because of his or her death the insurance company would pay out a death benefit to a designated beneficiary.
		Life insurance that is kept in force for a person's whole life as long as the scheduled premiums are maintained.
	www.terminsuranceweb.com /life_insurance_glossary.htm (2385 words)

	Universal Life Insurance
		Universal Life combines pure life protection (term) with a cash value fund that accumulates tax deferred as long as the policy remains in force.
		Unlike deferred annuities or single premium life, universal life is purchased chiefly for insurance.
		An insurance agent may argue that a child's premium is very low and that the insurance policy will protect the insurability of the child should the child become chronically ill.
	www.villarose.com /universallife.htm (814 words)

	Universal Life Insurance
		Universal life insurance provides permanent life insurance protection and access to cash values that grow tax-deferred at competitive interest rates.
		Universal life products give you the flexibility to choose the amount of protection that best suits your family or business.
		Universal Life (Target Life Insurance) policies are issued by New York Life Insurance and Annuity Corporation (A Delaware Corporation), which is a wholly-owned subsidiary of New York Life Insurance Company.
	www.newyorklife.com /cda/0,3254,8686,00.html (322 words)

	Life Insurance (Site not responding. Last check: 2007-10-26)
		Group life insurance may be term, or universal life insurance, but it is always offered through a group -- usually an employee group.
		Group insurance can be convertible, which means you can change or transfer it to a personal life insurance policy if you lose your job, so you don't also lose your family's protection.
		One of the most important things that you, as the owner of a life insurance policy, can do is to designate (that is, "name") the beneficiaries -- the people who you would want the money (called life insurance proceeds) to go to if something happened to you.
	www.aetna.com /groupinsurance/members_life_1.htm (731 words)

	Universal Life Insurance, Permanent Insurance Comparison, Universal Insurance Policy
		Universal Life Insurance is permanent insurance that's main feature is flexibility.
		universal life insurance can be the least expensive way to guarantee a death benefit that is payable to your age 100 and beyond, all with guaranteed premiums that can be structured to continue for just a few years or to age 100 based on your desires.
		universal life policies with guaranteed level premiums and a death benefit guaranteed to age 100 and beyond.
	www.wholesaleinsurance.net /offers/universal-life-insurance.asp (291 words)

	Universal Life Insurance (Site not responding. Last check: 2007-10-26)
		Universal life insurance contracts differ from traditional whole life policies by separating the “protection element”, the “expense element” and the “cash value element.” Dividing the policy into these three components allows the insurance company to build a higher degree of flexibility into the contract.
		Universal life provides the policy owner with greater flexibility and higher yield potential than traditional whole life policies.
		In many situations, the combination of low term insurance rates, a competitive yield on the “cash value element,” and tax benefits make the universal life contract a viable alternative to more conventional investment vehicles.
	www.gastonassoc.com /html/universal_life_insurance.asp (433 words)

	New Rule Governs Universal Life Insurance Market (Site not responding. Last check: 2007-10-26)
		January 24, 2005—The New York State Insurance Department today published in The New York State Register a regulation which requires those who sell universal life insurance in the state to set aside adequate reserves in keeping with the spirit of an actuarial guideline that establishes the standard for the industry nationally.
		Universal life insurance products’ three basic cost components—investment earnings, the cost of protection in the event of a policyholder’s death, and the cost to cover the insurer’s expenses—are separately identified both in the policy and in the annual report to the policyholder.
		In a related matter, the Insurance Department is planning to send out a survey to all of New York State’s licensed life insurers and reinsurers, asking that they provide to the Department an estimate of the amendment’s financial impact on their operations.
	www.gorr.state.ny.us /gorr/01_24_05_insurance_rule.htm (252 words)

	Foreign Variable Universal Life Insurance (Site not responding. Last check: 2007-10-26)
		Life insurance comes in two basic varieties: term and cash-value insurance (which itself has various forms: whole life, universal life, variable life).
		For U.S. life insurance companies, the "$850" (in our example), can be invested only in some of the 10 - 20 mutual funds that are pre-selected by the insurance company -- you have a very limited choice.
		The benefit to foreign life insurance over domestic life insurance is one of flexibility: the client has a much larger role in picking the mutual funds and other investments that are part of the variable life contract.
	www.asgoldstein.com /fvul.html (1032 words)

	Life Insurance Basics: Universal Life Insurance (Site not responding. Last check: 2007-10-26)
		Universal life offers Steve a guaranteed interest rate similar to that of a whole life policy, but if the carrier earns more interest, it will credit Steve with the higher rate.
		This is exactly what happened to thousands of people who bought universal life policies in the late 1970s and early 1980s.
		If you want to pay less now, choose universal life, and be aware that you may have to pay a higher amount later if current assumptions about future interest rates prove to be wrong.
	www.ricedelman.com /planning/insurance/lifeuniv.asp (592 words)

	Financial Protection - Universal Life Insurance
		Universal Life is a flexible premium, adjustable benefit life insurance certificate which combines the protection of life insurance with the accumulation of cash value at current competitive interest rates.
		Universal Life allows you to buy one life insurance contract -- one single certificate -- that is flexible enough to meet your life insurance needs now and in the future.
		Universal Life offers a variety of other benefit riders that may fit your lifestyle, including: Accelerated Benefit, Waiver of Monthly Deduction, Accidental Death, Guaranteed Insurability Option, 10-Year, 15-Year, and 20-Year Term Insurance, Spouse Adjustable Term Insurance and Children's Term Life Insurance.
	www.womanslifeins.com /html/navbar/finproul.html (638 words)

	Variable Universal Life (VUL) Insurance
		As in the variable life insurance product, the VUL also has the opportunity to achieve large gains which are tax-free to the beneficiary.
		The variable universal life insurance policy combines many of the features of a whole life policy, a variable life policy and a universal life policy.
		The death benefit options are similar to the options discussed in the universal life insurance section.
	www.quatloos.com /vul.htm (646 words)

	Universal Life Insurance Details
		Universal Life Insurance is the most versatile of all insurance types.
		Universal Life Insurance is the only legal tax shelter left in Canada.
		Universal Life Insurance, used to fund a buy-sell agreement, has the added feature of providing a retirement plan for the insured employee.
	www.cheaplifeinsurance.ca /Universal_Life_Insurance2.htm (671 words)

	Universal Life Insurance Policies - RBC Insurance (Site not responding. Last check: 2007-10-26)
		Universal life insurance combines permanent life insurance protection with flexible investment options, customized to your financial needs.
		Depending on the universal life insurance product you've chosen, you may have a number of investment options that can allow for tax sheltered growth of your money.
		The cost of life insurance and a small administration charge are generally deducted from your account on a monthly basis.
	www.rbcinsurance.com /lh/universal.html (294 words)

	Chase Insurance Group - Universal Life Insurance (Site not responding. Last check: 2007-10-26)
		Universal life insurance is designed to offer maximum flexibility by combining some of the key features of whole life insurance with some of the advantages of term life insurance.
		Another key aspect of the flexibility of a universal life policy is that you can adjust your death benefit from year to year.
		This feature may be beneficial in times of economic hardship in which you do not wish to sacrifice the equity you have built up in the policy but must reduce the premium amount you are paying.
	www.chase.com /pages/chase/pf/insurance/lh/universallife (434 words)

	Shelter Insurance - Universal Life Page
		Universal Life Insurance policy offers flexibility by allowing you to adjust your premium depending upon your ever-changing life insurance needs.
		Most importantly, you have the face amount of the life insurance policy throughout your lifetime.
		Universal Life policy includes an Accelerated Benefit provision that may allow you to use part of your death benefit if you become terminally ill (with a life expectancy of 12 months or less).
	www.shelterinsurance.com /shelterwebnew.nsf/e0087b5460c4a721862569c2005fa85a/ab19475ea80cc10986256af8005685d7!OpenDocument (291 words)

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