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	<title>New answer on: What Is Universal Life Insurance And How Does It Work?</title>

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		<title>By: Brandon Roberts</title>

		<link>https://insurancelibrary.com/life-insurance/what-is-universal-life-insurance-and-how-does-it-work</link>

		<dc:creator>Brandon Roberts</dc:creator>

		<pubDate>Wed, 30 Oct 2013 04:17:21 +0000</pubDate>

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		<description><![CDATA[Universal life insurance is a form of permanent/cash value life insurance known for it&#039;s flexible premium and adjustable (downward in most cases) death benefit.

Like all permanent products, the policy is driven by cash values (a reserve) in the policy that covers policy expenses.  The policy holder also has access to this cash value either as a withdrawal or as a policy loan.

Universal life insurance is also very well known for it&#039;s transparency, as all expenses are readily available to the insured if he or she wishes to see them.]]></description>

		

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