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A Universal Life policy is the most flexible of all available forms of life insurance today. The owner of a Universal Life policy is permitted (within limits), to adjust the face amount of the policy, the premium amounts and length of premium payment as desired to meet an individual's situation. Universal Life products are sometimes referred to as "interest sensitive" because values are related to credit interest rates.
The Benefits of Universal Life
- A flexible death benefit
- Income tax free death proceeds
- Interest-sensitive cash value
- Flexible premium
- Ability to customize the plan to fit the need of the policyholder