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.
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