Universal Life

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Insurance that can last a lifetime, with flexible premium payments and a minimum interest-crediting rate guaranteed by the insurer, with the potential for additional cash value. Traditional this type of product is more expensive because of the guarantees. Each individual should have a different proportion of this type of product to cover potential life long liabilities. The younger you are when you get this type of product; the better off your rates will be, so it is important to consider this coverage at a young age.