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Contributed by mm | September 20, 2006 2:28 AM PST
Universal variable life is also called flexible premium variable life. This policy mixes the flexible features of universal life and the investment options of variable life. As with universal life, you can raise or lower your premiums in a single policy. As with variable life, you have the right to choose how your cash value will be invested.
The insurance company is not required to make any guarantee on your cash value. With universal variable life, the value of your cash fund is tied to the market value of the assets in the cash value fund. In theory, you could have $15,000 in cash value one day and $10,000 in the next, depending upon market fluctuation. So one of the main problems with universal variable life is that you can lose your insurance coverage.
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What Is Variable Universal Life (VUL) Insurance? (September 20, 2006)
Variable universal life is a form of life insurance, specifically it's a type of cash-value insurance policy. (The other types of cash value life insurance are whole, universal, and variable life.) Like any life insurance policy, there is a payout in case of death (also ...
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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