Universal Life

 
 
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Universal-Life

All About Universal Life

The Universal life insurance policy provides lifetime insurance protection. This type of insurance policy is a type of permanent life insurance based on a cash value. In Universal, the Customer establishes his policy by crediting premium payments above the cost of insurance to the cash value. That cash value is credited each month with some interest, and the policy is debited each month by a Cost Of Insurance(COI) charge, which is drawn from the cash value if no premium payment is made that month.

If the people are buying a home or a vehicle, or if they are starting of with the new business all these things needs a coverage so that all types of insurances provided by the Universal Life insurance. It has come with flexible investment options such has mutual funds. This Insurance provides financial support to the people their family and the businesses by combining the term and the permanent life insurance policies. And it provides death benefits, loans, tax advantages, flexible premium payments, increase or decrease in death benefits.

The two main types of permanent life insurance are whole life and universal life. These have a feature known as cash value or cash surrender value. Term insurance policies do not have cash values. 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.

Types of insurances offered by Universal Life are:

-Life Insurance.
-Health Insurance.
-Travel Insurance.
-Business Insurance.
-Auto Insurance.


Tell us what you think ! Let us know the Strengths and Weaknesses of Universal Life ! Write unbiased opinions,share them with other customers and help them choose the best plan !

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Rate on a scale of 1 to 5, with 5 being the best

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By Thomas
Location Austin,Texas
Type of Insurance Other Insurance
Date: 03-18-2008
   
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I always doubted whether I can get an insurance plan where I could change my insurance amount. This doubt in my mind vanished at once when I got associated with Universal Life. There I was able to change the insurance amount and the premium with my needs. I have never found an insurance policy as flexible as this. Now I feel that my decision to fix Universal Life as my life insurance company was never wrong..
 
By Cherry
Location Honolulu,Hawaii
Type of Insurance Life Insurance
Date: 03-16-2008
   
Coverage
Cost
Customer Services
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Summary
Looking for life insurance, health insurance, travel insurance, business insurance, auto insurance all under one roof? Well, you need not go further. Universal Life Insurance is there for you all the way. What attracts more about Universal Life Insurance is that they have a special cash value or cash surrender value. It also provides death benefits, loans, tax advantages and lots more. So get Universal Life Insurance into your life and make your life secured and happy..
 
By Jullie
Location Atlanta,Georgia
Type of Insurance Life Insurance
Date: 12-05-2006
   
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Cost
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Summary
The Universal Life insurance provides best life insurance policies to the customers with very less rates when compared to other companies and i am very happy to be with it from the past seven years. I was suggested by one of my friend to join in Universal Life for the best life insurance and i am very thank full to my friend for suggesting me to go with Universal Life insurance..
 
By Kevin
Location Baton Rouge,Louisiana
Type of Insurance Long Term Care
Date: 12-02-2006
   
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Cost
Customer Services
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Summary
The Universal Life insurance company provides a long term care for the customers. I am the customer of it from the past 5 years and they will pay at most care for the customer, their also provides the insurance for the other services like auto, life, health, travel, business for long term care. So i feel that Universal Life insurance company is the best option for long term care .
 
By Stanley Jones
Location honolulu,Hawaii
Type of Insurance Life Insurance
Date: 11-24-2006
   
Coverage
Cost
Customer Services
Claims
Summary
According to me Universal Life insurance company provides best life insurance polices for the customers compared to others it provides financial support to the people their family with the term and the permanent life insurance policies. And universal Life also provides death benefits, loans, tax advantages, flexible premium payments, increase or decrease in death benefits for their customers, so i fell it is the best option for life insurance policies.
 
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