Typically through loans or withdrawals, which reduce the death benefit if not repaid.
No. The cash value crediting is linked to a market index, but the policy is not directly invested in the market. Values are not guaranteed.
The floor, often 0%, limits crediting on the downside. The cap or participation rate limits how much is credited on the upside. Both are set by the policy. ...
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.
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