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Some other things to know about universal life insurance
A flexible premium universal life insurance policy has the flexibility to adjust to your changing needs.
Your policy's cash value earns interest based on a contractually-stated financial index (or a blend of indices), and this growth is tax-deferred. You can access your cash value almost anytime.1
Keep in mind that as your life changes (i.e., marriage, birth of a child or job promotion), so will your life insurance needs. Take care to ensure universal life insurance is suitable for your long-term needs. You should weigh any associated costs before making a purchase.
Life insurance has fees and charges associated with it that include costs of insurance that vary based on the insured person’s sex, health and age, and has additional charges for riders that customize a policy to fit your individual needs.