How can I determine the appropriate level of life insurance coverage for my individual needs and circumstances?

Universal Life with Long-Term Care Insurance ... Universal Life is insurance an insured person can use during their lifetime to pay the high cost of convalescent ... We will ask you to provide us with information that we then use in what is called underwriting. This is the process that an insurance company uses to determine ... Universal Life insurance allows you to pay higher premium amounts when you want, so you can potentially increase your cash value. Universal life insurance is a type of permanent life insurance. It is designed to last your lifetime 2 and to help you provide support for your beneficiaries ... Universal life is permanent, flexible insurance coverage. It includes the opportunity to adjust the premium and the death benefit, as well as accumulate cash ... Jun 18, 2014 ... Since everyone eventually dies, permanent life insurance must be priced so that there is enough money to pay a death benefit to everyone. As ... Ways to extend the life of your policy. · Increase your payment or add a lump sum. Make sure you have enough funds to not only cover the cost of insurance, but ... Universal life (UL) insurance offers clients permanent protection with flexible payments, adjustable coverage, and oftentimes cash value growth. How does variable universal life insurance work? ... A portion of your flexible premium payment goes toward the insurance, which includes any fees and death ... PL Promise GUL. Policy Form #P18PRUL and S18PRUL or ICC18 P18PRUL and ICC18 S18PRUL, based on state of policy issue. No-lapse guarantee1 universal life ...