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Dulu Sangat Setia Menemani Jupe, Tak disangka begini nasib asistenya ini sekarang





Having life insurance doesn’t have to be a one-size-fits-all experience. Universal life insurance allows you to make certain changes to the policy to better fit your needs. But knowing how this works requires understanding the universal life insurance definition. So let’s talk about what universal life is; explore what you can do with the policy’s premium, savings feature, and death benefit; go over some of the pros and cons; look at different types of universal life policies; and discuss who this insurance might be a good fit for. What Is Universal Life Insurance? Universal life, also known as adjustable life, is a permanent life insurance product that combines term insurance with a savings account that earns tax-deferred interest at rates that depend on what type of universal life policy it is and how your premium payments are invested. Universal life, which was created to provide policy holders with more flexibility, is really a hybrid of whole life insurance that combines income protection and long-term investment features. The plans are flexible because you can increase or decrease the death benefit amount and make changes to how you pay premiums. Universal Life Insurance Premiums: How They Work When you pay premiums, a part is used to pay the costs of providing you with coverage, and the rest is invested by the insurance company to build cash value. The flexibility of universal life means you don’t have to make fixed payments on a regular basis. You can decide how much and when you want to pay (subject to some limitations), which makes the premium variable. The ability to change your premium payment is only available once your policy has built up enough cash value and after you have made your first regular premium payment. You can pay premiums out-of-pocket or use your cash value to pay premiums. Universal Life Cash Value: What’s It About? Maintaining a positive amount of cash value is very important with a universal life insurance policy. If you pay smaller regular premiums, or decide to use the policy’s cash value to pay premiums, the policy may run out of cash value. If there is no cash value left to cover the cost of the life insurance policy, and you don’t start paying premiums again, your coverage will end. But depending on the insurance company, there may be a guarantee that your coverage will remain in force even if the cash value isn’t enough to pay for the policy. Building cash value: The cash value in this type of policy grows at a variable interest rate that’s based on the performance of the insurance company’s investment accounts your cash value is kept in. The interest rate changes monthly, but it is guaranteed not to fall below the minimum rate the insurance company sets. Variable rates can mean you will earn higher interest, which will make your cash value grow faster. If the interest in the company’s investment accounts doesn’t grow as fast, then you will get the minimum rate of return. Taking out a loan on the cash value: You can borrow against the cash value in your policy just as you would with other types of permanent life products. When you borrow against your policy, the loan you get is from the insurance company, and your cash value is only used as collateral. You don’t have to qualify to take out a loan, and it doesn’t have to be repaid. If you decide not to repay, the interest on the loan will get larger and reduce your cash value, which may cause the policy to lapse. If the loan is left unpaid when you die, the amount plus interest will be deducted from the death benefit, and your beneficiaries will receive less money. Withdrawing money from the cash value: Universal life insurance lets you make a partial withdrawal of the cash value, which is usually tax free. Some policies allow you to withdraw up to 90 percent of the cash value, which is considered a permanent withdrawal. Permanent withdrawals are subject to taxes and will also decrease the policy’s death benefit. In most cases, you are not allowed to withdraw money from the cash value in the first few years of the policy’s life. How Universal Life Death Benefit Works You can change your death benefit to fit your needs. For instance, if you need to cut back on household spending, you can reduce your death benefit so that you will pay less in premiums. The insurance company sets the minimum amount of death benefit you have to maintain to keep the policy active. You can also increase the death benefit, but this usually requires passing a medical exam. Increasing the death benefit will result in an increase in premiums. Before you make changes to your policy benefits or enroll in a plan, it’s good idea to learn about a universal life insurance calculator so you can estimate your coverage needs. A universal life policy offers two death benefit options: level and enhanced. Level death benefit: This option guarantees that your beneficiary will receive the minimum amount of death benefit that the insurance company sets. The amount you pay in premiums with a level death benefit depends on how much cash value you have in the policy. Remember, a universal life insurance policy’s cash value can be used to pay premiums. Enhanced death benefit: Under this option, your beneficiary receives both the death benefit and the cash value. So if the death benefit is $500,000, and the cash value is $100,000, a total of $600,000 would be paid out to your beneficiary upon your death (granted there are no outstanding loans). This enhanced feature will usually cost more. Quick Comparison of Universal Life Pros and Cons As with all types of life insurance, you have to decide if the advantages make up for the disadvantages of the plan you choose. Although there are some cons with universal life, one of pros is that insurance companies provide policy holders with an annual statement that breaks down all the expenses your premium payments cover and the amount of interest that goes into your cash value. Looking at more of these pros and cons side-by-side may help you better understand how universal life insurance policies work. the cheapest car insurance cost of car insurance best car insurance quotes insurance auto insurance quotes car get car insurance quotes online car insurance agent instant car insurance quote car insurance websites direct car insurance insure a car motor car insurance quote cheap car insurance online quotes for car insurance car insurers commercial car insurance motor insurance quote car insurance quotes online get a quote online international health insurance compare car insurance quotes insurance for car compare car insurance car insurance buy life insurance online compare auto insurance international medical insurance general car insurance cheap motor insurance low car insurance car insurance comparison company car insurance budget car insurance private health insurance online quote car insurance cheap motor car insurance car insurance for new drivers cheap 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