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Universal Life insurance (or UL) is a type of permanent life insurance that was designed to be more attractive to customers than traditional whole life insurance, with its stiff premiums and reliable-yet-conservative growth of cash value. Whole life had served our parents and grandparents well, but in the 1980′s, UL was widely marketed to be the next generation of permanent insurance, with options for greater affordability as well as gains.
No BS Money Guy Todd Strobel and Best Selling Financial Author Kim Butler take a hard look at how these policies work and discuss whether they still make sense today.
for more info:
http://partners4prosperity.com/universal-life-vs-whole-life-insurance