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Universal Life Insurance is a type of insurance policy that not only provides protection in the event of the insured s death, but it also serves as an investment option. It may earn money market interest rates. It s flexible and allows you to increase or decrease the amount of insurance coverage you need throughout the policy term. Although it is flexible, there are certain parameters you must follow. The policy limit may not be decreased beyond a predetermined amount, and increasing the coverage may subject you to underwriting requirements. Always be aware of your policy s terms and conditions.

How does it work?

With a Universal Life policy you are in control of the amount and how often you pay the premiums.

- You have the option to make lump sum payments which will increase the cash and death benefit value of your policy. The interest on the cash value of the policy grows tax-deferred.

- You may also, at times of financial hardship, lower the premium amount you pay. R (more...)

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Smoking or using any tobacco based substance does only one thing to your life or health insurance rate: Shoot it to the roof. Smoking has caused so many deaths and is the major cause of cancers and other terrible diseases worldwide.

Many people have quit smoking. You too can do it if you really mean it.
You can get all the help you need from people who love you or groups that are set up to help you qui (more...)