Paid Life Insurance

Universal Whole Life Insurance?

For Whole Universal Life insurance, how long has to have the policy to begin to borrow money? It is the cash value that you borrow money? When would you stop paying premiums? Please tell me any other information about this insurance. Also, please explain in simple terms … How does this insurance, the benefits and whether it is good or not … ALL …. because I do not really understand. Even reading the book that the agent gave me does not help me understand because of all the terms of the insurance and everything. and my agent does not support what so ever.

First, find a new agent. Its job is to help you understand and if he / she is not help you need a new one. Secondly, are a little confused … it's either a Universal Life Policy or a policy Whole life are two different types of policies. Now that is really saying is more dependent on the insurance company is. Now to your questions, yes, the money is borrowed from the cash value. You can usually borrow up to 90% of cash value. They do charge interest on money you borrow. You can either choose to pay interest or have taken out of politics. If you're going to have to pull the policy has to ensure that there is enough cash value in that country. Your agent must run a conservative forecast to show you what the loan will look like. As to stop paying premiums … It depends on how the policy has been established and what it means to stop paying premiums. Sometimes stop paying premiums: the policy pays for itself. This means that you still have insurance costs coming out, just get out of the cash value. Sometimes the policy is paid for which means the cost of insurance policy do not go further. I think this is a good start and I do not want to flood too much too as I could go on and on. Please feel free to let me know if you have any questions.

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