普遍人壽保險政策如何正常運作？
普遍人壽保險政策如何正常運作？
 The Universal Life policy is a way to combine term insurance with an investment feature under one plan. You have flexibility of premium. The more you put in, the more your cash value grows. You can skip premiums or put less into the plan as long as there is enough cash in the plan to maintain the insurance cost. In order to make sure the death benefit will be available in your older years you MUST make sure you do not under fund your policy. As you get older the cost of insurance increases. If the cash fund does not maintain enough to pay the insurance cost the policy will lapse. You will receive an annual statement each year, make sure you review this with your agent to make sure your policy is performing as planned.
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