Universal Life Insurance: A Smart Way to Protect Your Future

A conceptual image illustrating the benefits of universal life insurance: a cartoon house is protected by a glowing blue shield. The shield is supported by a gold coin labeled 'Bonus,' representing flexible payments and cash value, while it blocks a threatening red orb labeled 'Unexpected Bill,' symbolizing financial protection.

“So, Dave at work was telling me about his life insurance,” Mike Miller, the 40-year-old software engineer, began one evening, looking up from his laptop. “He called it ‘Universal Life.’ He said he can change his payments whenever he wants. It sounds… confusing. Is that even a good thing?” It’s a question that cuts to … Read more