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, ...

MassMutual earned 2.8 out of 5 stars in our evaluation of life insurance companies. It sells term, whole, universal and variable universal life insurance. MassMutual stands out for its financial ...

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・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 ...

Indexed universal life insurance offers flexibility in premium payments and the ability to adjust the death benefit. IUL policies include a minimum guaranteed crediting rate, or interest rate, which ...