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Under the terms of the policy, the excess of premium payments above the current cost of insurance is credited to the cash value of the policy, which is credited each month with interest.
Under the terms of the policy, the excess of premium payments above the current cost of insurance is credited to the cash value of the policy, which is credited each month with interest. Universal life insurance (often shortened to ul) is a type of cash value life insurance, sold primarily in the united states. U′niver′sal life′ insur′ance, businessa type of insurance in which the payments of the insured are placed in an. Universal life insurance offers permanent coverage, similar to whole life insurance, but has better rates and the opportunity to not pay premiums if your cash value performs well.
