Why Is Universal Life Insurance Bad? 
No product is bad it just depends on what your needs are . What you are trying to cover or accomplish , It might be bad for you , if you are looking for more guarantees . Universal life policies involve you managing the policy . If you can not find your policy then you should not have a policy you need to manage . If you have further questions , or feel that I could be of assistance , please do not hesitate to contact me . If you would like to work with a local life insurance broker , you could start with a Google search . For example , if you search for : life insurance broker Halifax or life insurance agent Halifax , my name , along with several others , will come up . You can use the same method to find a life insurance broker in your community . 