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Contributed by mm | September 11, 2006 5:48 AM PST
Universal Life Insurance (UVL) boasts many benefits, and here is a few of them:
From State Farm:
Flexibility -- You decide how much life insurance you need -- and subject to certain requirements and limitations, you can adjust the death benefit and premium payments to fit your changing needs.
Security -- You help protect your loved ones against possible financial hardship in the event of the insured's death.
Tax-Free Death Benefit -- Under current tax laws governing individual life insurance, life insurance proceeds are generally income tax free to the beneficiary.
Tax-Deferred Account Value Growth -- Your policy's Account Value earns interest at the company's current interest rate -- federal income tax deferred. The current interest rate is guaranteed to be at least 4% a year.
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Thinking Again About Variable Universal Life Insurace (September 14, 2006)
Beware of the potentia pitfals of variable universal life insurance before you buy. If you are not careful, the high fee and potential tax implications can haunt you for the rest of your life.
What is Universal Life Insurance? (September 11, 2006)
Universal Life Insurance is a flexible-premium, adjustable benefit life insurance policy that accumulates account value. The flexibility of this policy allows you to change the amount of insurance as your needs for insurance change. Some changes require underwriting approval. As with all life insurance, the ...
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