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Universal life insurance is permanent life insurance protection that also builds up cash value based on the stock market, unlike a term life policy. You may access your cash value in the future without affecting the death benefit.
Did you know?…
- Most experts recommend carrying at least 10 times your annual gross income in life insurance?
- Life insurance provides financial support when people need it most. In the short term, it pays for immediate expenses, allowing the family time to grieve. In the long term, it helps replace lost income so the family can continue to pay for life’s necessities.
- Relying on life insurance through your employer is never enough. Not only may it exclude non-occupational deaths, but it will also expire you retire or change jobs.