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How Indexing Universal Life Credit Works-Accumulating Cash Value

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Long Term Care Planning

Universal Life Insurance vs Term Insurance

Universal Life insurance policy is designed to stay in force for the rest of your life, and it can accumulate cash value. Universal life policies have two components: protection and investment. Premiums are higher for Universal Life, versus Term Life, due to the investment portion which accumulates cash value.

Universal Life may be a benefit to you while you are still living (Living Benefits) and may help you by accumulating cash value. It still maintains the death benefit if that is to occur.

Term Life Insurance will cover you for a specific number of years and is for the benefit of your surviving family, relatives or favorite Charity. Tax-Free payout is in a lump sum and is only made when you are deceased.

​A good comparison is: Universal Life Insurance is like buying a car as opposed to Term Insurance which is like renting a car. At the end of the Term your benefits cease. 

​We would be happy to discuss the pro's and con's of each as they serve different purposes.....

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