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. Universal life (ul) insurance is permanent life insurance with an investment savings component. Universal life insurance (often shortened to ul) is a type of cash value life insurance, sold primarily in the united states.

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Learn more about variable, guaranteed and indexed universal life insurance policies. Universal life insurance allows the policyholder to tailor the policy to his individual circumstances to provide the greatest benefit at any stage in life. Not all universal life insurance policies are the same, and protective life can help you understand the differences and how to best protect the people universal life insurance is a type of permanent life insurance policy that offers financial protection for the people you love and the potential to earn cash.

However, if sufficient, the accumulated cash value will cover the increases in the coi.

Some forms of universal life insurance also offer a cash value component. The policyowner can also take a loan from the insurance company against the policy's cash value, which accrues interest. It can cover you for the duration of your life, as long as the premiums are paid. This plan also includes the investor maximizer to help maximize tax deferred growth of the investment component.