• Universal Life Insurance (UL) is a form of permanent life insurance with an investment savings element plus low premiums.
  • The Universal Life Insurance (UL) price tag is the minimum premium required to maintain the policy.
  • There are no tax implications for policyholders who borrow against the accumulated cash value of their UL policy.
  • Unlike term life insurance, a UL policy can accumulate cash value.
  • You can borrow from any accumulated monetary value in your policy.