Jul 8, 2025 · Understanding the cash value component of universal life insurance is key to leveraging its potential benefits while managing its inherent risks. It offers tax-deferred growth, …

Jun 16, 2025 · Universal life insurance is a permanent life insurance with cash value, flexible premiums and a flexible death benefit. Traditional universal, guaranteed universal, indexed …

Nov 26, 2024 · Universal life (UL) insurance is a type of permanent life insurance that, like other permanent insurance, has a cash value element and offers lifetime coverage as long as you …

Feb 22, 2024 · Universal life insurance is a type of cash value life insurance that has additional flexibility built in. Your cash value account typically earns a market rate of interest. It also …

Dec 4, 2025 · Like whole life, a universal policy can provide lifetime protection while building cash value with tax advantages. 1 UL also gives you the flexibility to raise or lower premiums within …

Oct 17, 2025 · In this post, Roemer & Associates explains how the cash value in a Universal Life policy grows, how you can access it through withdrawals or loans, and how those choices may …

Aug 12, 2025 · Whole life, universal life and variable life policies are all types of cash value life insurance. A portion of your premiums is directed to the investment account — called the cash …

We believe everyone should be able to make financial decisions with confidence. While we don’t cover every company or financial product on the market, we work hard to share a wide range …

Jul 9, 2025 · Universal life insurance does more than protect your loved ones; it can also help you build financial value over time. Unlike term life policies, universal life includes a cash value …

Jul 1, 2025 · At its core, a universal life insurance policy includes two major elements: Death Benefit – The amount paid to your beneficiaries when you die. Cash Value – A savings …