(StatePoint) Life is full of changes, transitions, growth—and sometimes disruptions. September is Life Insurance Awareness Month, making it the perfect time to consider a universal life insurance ...

How to choose a policy that provides lifelong coverage and often a cash value feature ...

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 ...

・Indexed Universal Life (IUL) combines permanent life insurance with a cash-value account tied to a stock market index. ・Growth is limited by caps and participation rates but protected from losses by ...

Northwestern Mutual: Best for customer satisfaction. Thrivent: Best for social responsibility. Guardian: Best for people with health conditions. Pacific Life: Best for flexibility. MassMutual: Best ...