Selling Universal Life Insurance

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Universal life insurance - Universal Life (UL) is a type of permanent life insurance based on a cash value. That is, the policy is established with the insurer where premium payments above the cost of insurance are credited to the cash value.

Variable universal life insurance - Variable Universal Life Insurance (often shortened to VUL) is a type of life insurance, that builds a cash value. In a VUL, the cash value can be invested in a wide variety of separate accounts, similar to mutual funds, and the choice of which of the available separate accounts to use is entirely up to the contract owner.

Term life insurance - Term life insurance is the original form of life insurance and is considered to be pure insurance protection because it builds no cash value. This is in contrast to permanent life insurance such as whole life, universal life, and variable universal life.

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Universal Life Insurance Policy - Universal Life Insurance Policy The New Life Insurance Investment Advisor by Ben G. Baldwin, ""For anyone who needs to understand different types of life insurance, as well as considerations for purchasing universal life insurance policy and managing policies, this book should be on your nearby reference shelf. If you've frequently found yourself fumbling around with terminology, such as the differences between variable, universal, universal life insurance policy and variable universal life (VUL) policies, you'll finally see some light through ...

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