Pacific Life and New York Life are among the best universal life (UL) insurance companies in our analysis. There are several kinds of UL policies that meet different needs. Riders can add features and ...

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When a guaranteed universal life insurance policy is owned by a trust, it is imperative to ensure compliance with both the policy and trust terms. There are many different variations of life insurance ...

What Is Universal Life Insurance? Universal life insurance offers permanent coverage with a unique twist—flexibility. Unlike other policies that lock you into fixed premiums and set death benefits, ...

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For over a decade, insureds with significant estates and their advisors have made secondary guarantee universal life (SGUL) life insurance policies, or so-called "no lapse" guarantee policies, a ...

Founded by future California Gov. Leland Stanford in 1868, Pacific Life is now the third-largest life insurance provider in the U.S., with $1.5 trillion in policies in force in 2024. It has an array ...

Universal life insurance offers flexibility in premium payments and death benefit adjustments, allowing policyholders to adapt coverage to life’s changing needs. The policy builds cash value, which ...