What are universal life policies?
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American International Group, Inc. (AIG), a world leader in insurance and financial services, is the leading international insurance organization with operations in more than 130 countries and jurisdictions. AIG companies serve commercial, institutional and individual customers through the most extensive worldwide property-casualty and life insurance networks of any insurer. In addition, AIG companies are leading providers of retirement services, financial services and asset management around the world. AIG's common stock is listed on the New York Stock Exchange, as well as the stock exchanges in Ireland and Tokyo.
What are universal life policies?
In this video, Bob Ley from insurance company AIG discusses the many issues surrounding how to select and purchase life insurance.
This expert: 53,771 views
This series: 53,770 views
Transcripts
Host: What are Universal Life Policies?
Bob Ley: Universal Life is a type of permanent insurance policy under which, one, the premiums are flexible, two, the death benefit protection can be adjusted, and three, insurance company expenses and other charges are disclosed. Annually the policy owner will receive a report on the charges, expenses paid, accumulation value balance and interest credited. The interest credit is typically competitive. The insurance protection is combined with a cash value account. The return is not guaranteed, though some policies do provide a minimum interest guarantee.
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