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Contributed by mm | September 20, 2006 2:24 AM PST
In this series, we will walk you through many common features of a typical universal life insurance policy.
From In this series, we will walk you through many common features of a typical universal life insurance policy....:
Life Insurance Benefit Options
Universal life insurance policies usually offer a choice of three death benefit options. Because your policy can be purchased for a variety of business or personal uses, it's important to select a life insurance benefit option in line with your intended policy use. The life insurance benefit options are:
Option 1 — is the policy's face amount, and is generally a level amount.
Option 2 — is the face amount, plus the cash value that has accrued within the policy, usually resulting in a higher death benefit for your beneficiaries.
Option 3 — especially valuable in a split dollar business arrangement, equals the policy's face amount plus the adjusted total premiums (total premiums paid, less any partial surrenders).
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What Is Variable Life Insurance? (September 20, 2006)
Variable life is one kind of permanent insurance that lets you target your premium to one or more separate investment funds. These could be fixed income investments, or stocks, bonds, or a money market fund. Depending on company policy, you can switch your investments two ...
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