Insurance policies- very flexible for all

Insurance policies- very flexible for all 

Universal life insurance policies are also very flexible with respect to premiums and face value. Premiums may be increased, decreased or deferred within certain limits, and cash values may be withdrawn, although this will reduce the death benefit of the policy. You may also have the opportunity to change facial values. Universal life insurance policies generally offer a guaranteed cash value, which may vary depending on the provisions of the policy. You will receive an annual statement detailing the cash value, the total protection, the cash value accrual and the fees.

Variable Universal Life Insurance combines flexible premiums with a choice of investment options. Like variable life, you select the investment options in your portfolio. As with any financial product that includes an investment element, the flexibility and potential growth of this type of contract entails a corresponding risk.

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