What Is Universal Life Insurance? Universal life insurance offers permanent coverage with a unique twist—flexibility. Unlike other policies that lock you into fixed premiums and set death benefits, ...

These policies let you invest your cash value directly in mutual fund-like accounts, but they also carry risks if the investments lose money Written By Written by Insurance Staff Writer, WSJ | Buy ...

Is contributing to a variable universal life insurance policy a good idea? I’m 39 with a $310,000 annual income. I have $550,000 in a 401(k), $13,000 in an HSA, $25,000 in cash savings and a $42,000 ...

Variable life insurance is a form of permanent life insurance, which is intended to last for a lifetime. As with other forms of life insurance, a variable life policy represents a contract between an ...

Indexed universal life insurance (IUL) is a type of permanent life insurance designed for people who want lifelong coverage, adjustable premium payments and the ability to choose how their policy’s ...

(StatePoint) Life is full of changes, transitions, growth—and sometimes disruptions. September is Life Insurance Awareness Month, making it the perfect time to consider a universal life insurance ...

Looking for the best rate and coverage for life insurance? Consider Sproutt. Selecting the right insurance policy, particularly when weighing Indexed universal life (IUL) against variable universal ...

These policies offer flexible premiums and death benefits and several investing options, but understand what you’re buying to avoid surprises Written By Written by Insurance Staff Writer, WSJ | Buy ...

Editorial Note: Forbes Advisor may earn a commission on sales made from partner links on this page, but that doesn't affect our editors' opinions or evaluations. If you’re in the market for a life ...

We independently evaluate all of our recommendations. If you click on links we provide, we may receive compensation. Myles is a former senior insurance editor for Investopedia. He oversaw the strategy ...

Indexed universal life (IUL) insurance lets the policyholder decide how much cash value to assign to an equity-indexed account and to a fixed-rate account, if available. Indexed universal life is a ...

Indexed universal life insurance offers flexibility in premium payments and the ability to adjust the death benefit. IUL policies include a minimum guaranteed crediting rate, or interest rate, which ...