Often yes, within limits. You may be able to adjust the death benefit or premium as your needs change.
Yes, if it is not adequately funded, the cost of insurance can deplete the cash value and the policy can lapse. Regular reviews help prevent that. ...
The cash value grows at a credited interest rate set by the insurer, which can change over time, subject to policy terms and costs.
Universal life offers flexible premiums and an adjustable death benefit, while whole life uses fixed premiums and guarantees. Each has tradeoffs we can walk through.
It is permanent coverage that lasts your whole life and builds cash value, so the premium reflects more than temporary protection.
Whole life is typically designed with a level premium that does not increase with age, subject to the policy terms.
Yes, typically through loans or withdrawals. These reduce the death benefit if not repaid.
The refund feature adds cost. You are paying more now for the possibility of getting premiums back later.
Whole life builds guaranteed cash value on a contractual schedule, subject to the policy terms and the insurer’s ability to pay claims. It is not an investment. ...
Canceling before the term ends may return little or nothing. This policy rewards staying the full term.
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