- Do I need life insurance?
- What if my spouse is financially dependent on me?
- What types of insurance are there?
- What is whole life insurance?
- What is universal life insurance?
- What is variable life insurance?
- What is term life insurance?
- What are the different types of term insurance?
- How much will life insurance cost me?
- What's wrong with using insurance as an investment?
- How big should my life insurance policy be?
- How do I buy life insurance?
Universal life is a type of permanent insurance policy that combines term insurance with a money market-type investment that pays a market rate of return. To get a higher return, these policies generally don't guarantee a certain rate.

