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Looking For online life insurance
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Interest Rates and Universal Life Insurance
by Evan Davis
Universal life insurance policies provide a flexible insurance solution for those seeking the protection of death benefits. The insured can flex the policy's premiums and benefits during the life of the policy while the policy creates a residual cash value. This allows one to adjust the nature of their life insurance so that it remains consistent with their actual needs.
Whole life insurance policies offer insured parties a guaranteed interest rate on the cash value of the policy. Universal life policies do this as well. For instance, a universal life policy may guarantee a minimum interest rate on the account of X percent. That percentage will be paid regardless of what happens to the insurance companies actual earnings. However, if the insurance company is able to invest premiums in a way that allows them to exceed the X percent rate of growth, they credit the policy of the insured at the higher rate.
This seems like an absolutely winning situation for holders of universal life policies. After all, they are guaranteed a minimum rate of return on the policy's cash value and may actually earn in excess of that rate, allowing them to pay less in premiums for the same level of life insurance coverage.
This feature of universal life insurance policies has contributed significantly to their popularity. However, despite the minimum guaranteed rate of return, interest rate levels can still impact universal life insurance policies detrimentally, making it necessary for consumers to consider all possibilities when evaluating universal products.
Although the insured is guaranteed a minimum rate of increase to the policy's cash value, this perk is somewhat meaningless if an insurance company's assumptions regarding interest rate behavior are proven to be wrong. All universal life policies are written with assumptions regarding the nature of interest rates in mind. If the company is unable to invest at a level producing the anticipated return, premium costs are forced upward to compensate for the shortfall.
This can result in policyholders being forced into premiums they may not be able to afford. This phenomenon is occurring today for those who bought universal life insurance when interest rates were in double digits. Insurance companies based their universal life insurance policies on the assumption that higher interest rates would continue for some time. This has not been the case, and many insured parties have found themselves paying higher and higher premiums in order to maintain their life insurance. For some, these premium increases are unmanageable, forcing them to cancel their policies completely.
Obviously, the risk of interest rate fluctuations makes universal life insurance less predictable than whole life insurance coverage. However, this unpredictability is not necessarily a reason to avoid universal life. If one is cognizant of the risk of premium price upswing if earnings fail to meet predictions and is prepared to pay the increased premiums in such situations, universal life remains very effective.
This is especially true in light of the fact that the alternative would be to simply buy a whole life insurance policy, which would likely require higher premiums payments right away and with no opportunity for relief at any point during the life of the policy.
Universal life advocates argue that the possibility for cheaper premiums when investment out performs or meets projections makes it a more sensible alternative than agreeing to higher premium payments through the entirety of a policy (whole life).
Whole life advocates maintain that the unpredictability of the markets and of interest rates makes universal life insurance products too unpredictable.
In the final analysis, universal life insurance products seem like a winning solution for those who understand and are able to handle fluctuations in the required premium. If one necessitates complete predictability and is able to overlook the possibility of a cheaper premium over the course of the policy, they may decide that a whole life package makes more sense for them than universal life insurance.
About the author:
Evan Davis works in Medicare customer service and is the webmaster and owner of Easy Insurance Finder. Find out about variable life insurance and online universal life quotes at http://www.easy-insurance-finder.com
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Home Insurance
Home Insurance The Definitive Book On Pcos. End Your Suffering Now. Learn How To Treat The Pain, The Discomfort, The Feeling Unwell ... , Landlords . Home Insurance - Get a 20% discount on Dire...
Term Life Insurance
Term Life Insurance Term Life Insurance Quotes. Low Cost Term Life Insurance Rates - Get Instant .. Term Life Insurance. Save up to 70% on your term life insurance rates. Get a free quote online...
What Factors Determine Term Life Insurance...
Term life insurance policies provide a limited coverage period, which is determined by the policy owner. Term life insurance rates are actually the cheapest form of life insurance ... any payout from...
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By searching online for life insurance, you can get a free term life insurance quote with no obligation to buy. In order to get the free term life insurance quote, you fill in the form on the appropri...
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Online broker adds health insurance
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Vacation Tree Houses They live in a house rue du Commerce. And before I went to CDG airport to catch my flight back to Chicago, when it was still leaving from Paris in the middle of the afternoon, I ...
Insurance
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Car Insurance
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Permanent Link to
August 31st, 2007 State to investigate Progressive Insurance (Atlanta Journal-Constitution) Georgia?s insurance commissioner has begun an investigation of Progressive Insurance ... of invasion o...
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Buying Life Insurance Online (Richfield Reaper)
1 Sep 2007 at 6:49am
(ARA) - Unless you're a carefree, 20-something single with no debt and no property, chances are you've at least thought about buying life insurance.
Life insurance Without an Exam Not a Good Idea (Benton Evening News)
31 Aug 2007 at 8:50pm
(ARA) - Are you one of those people who always gets nervous at test time? If so, you may be intrigued by the prospect of buying a life insurance policy that doesn't require a physical exam, but you co...
Smokers Can Afford Life Insurance (Richfield Reaper)
31 Aug 2007 at 2:37pm
(ARA) - If you've been putting off shopping for life insurance because you're a smoker, or think you are paying exorbitant premiums because of your habit, it's time to start shopping around.
ABI launches new guidance to improve phone and online insurance claims (Insur...
30 Aug 2007 at 8:27pm
The Association of British Insurers has launched a new initiative focused on increasing the proportion of successful protection insurance claims. The UK watchdog has introduced new guidance that will ...
Medical insurance added to LifeDirect (Scoop.co.nz)
30 Aug 2007 at 6:38pm
Purchasing health insurance online has now become a reality for New Zealanders as the country's leading online life insurance provider LifeDirect adds medical options to its online offering.
New State Insurance Regulations Protect Military (CBS 46 News Atlanta)
31 Aug 2007 at 3:41pm
Military recruits in Georgia will face stronger protections from life insurance agents according to new state regulations.
ABI launches new guidance to improve phone and online insurance claims (Compu...
30 Aug 2007 at 8:27pm
The new guidance is aimed at member companies seeking to improve clarity for consumers who purchase insurance products over the internet or phone. It builds on earlier work on the clarity of applicati...
Lutine now accepts applications online (Money Marketing Online)
30 Aug 2007 at 3:54am
Lutine is now able to accept life insurance applications online at www.lutine.com or through the Exchange quotation platform. Lutine managing director Jon Clarke says the development is at the heart o...
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Index
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Aarp Life Insurance
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Advantages Of Whole Life Insurance
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Affordable Life Insurance
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Bankers Life & Casualty Insurance In Wisconsin
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Best Life Insurance Quote
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Best Life Insurance Rate
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Best Term Life Insurance Quote
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Best Term Life Insurance Rate
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California Life Insurance
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Cheap Life Insurance
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Cheap Term Life Insurance
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Cheap Whole Life Insurance
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Child Life Insurance
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Compare Life Insurance
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Compare Life Insurance Rate
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Competitive Term Life Insurance
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Exclusive Life Insurance Leads
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Florida Life Insurance
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Florida Term Life Insurance Rate
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Free Life Insurance Quote
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Free Term Life Insurance Quote
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Gerber Life Insurance
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Globe Life Insurance
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Instant Issue Life Insurance
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Instant Life Insurance Quote
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Instant Whole Life Insurance Quote
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Juvenile Life Insurance
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Life Insurance
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Life Insurance
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Life Insurance Agent
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Life Insurance Broker
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Life Insurance Child
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Life Insurance Children
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Life Insurance Co
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Life Insurance Companies
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Life Insurance Company
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Life Insurance Company Rating
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Life Insurance Comparison
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Life Insurance Cost
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Life Insurance For Child
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Life Insurance For Children
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Life Insurance For Elderly
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Life Insurance For Kids
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Life Insurance Leads
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Life Insurance Leads
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Life Insurance Policies
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Life Insurance Policy
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Life Insurance Price
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Life Insurance Quote
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Life Insurance Quote Online
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Life Insurance Quotes
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Life Insurance Quotes
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Life Insurance Rate
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Life Insurance Rate Quote
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Life Insurance Rates
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Life Insurance Ratings
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Life Insurance Settlement
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Life Insurance Settlements
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Life Insurance Term
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Life Insurance Universal
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Life Insurance Whole
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Metropolitan Life Insurance
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Mortgage Life Insurance
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New York Life Insurance
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No Exam Life Insurance
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No Load Life Insurance
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No Load Term Life Insurance
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No-load Life Insurance
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Non Medical Life Insurance
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Online Life Insurance
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Online Life Insurance Quotes
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Online Whole And Standard Life Insurance Quotes
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Online Whole Life Insurance
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Prudential Life Insurance
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Selling A Life Insurance Policy
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Shop Life Insurance Rate
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Standard Life Insurance
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Term Life Insurance
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Term Life Insurance Company
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Term Life Insurance Online
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Term Life Insurance Quote Online
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Term Life Insurance Rate
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Term Life Insurance Rates
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Texas Life Insurance
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Universal Life Insurance
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Universal Life Insurance Quote
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Universal Life Insurance Quotes
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Variable Universal Life Insurance
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What Is Whole Life Insurance
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Whole Life Insurance
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Whole Life Insurance Companies
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Whole Life Insurance Company
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Whole Life Insurance Explained
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Whole Life Insurance Online
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Whole Life Insurance Online Quote
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Whole Life Insurance Policy
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Whole Life Insurance Quote Online
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Whole Life Insurance Rate
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Whole Life Insurance Rate Quote
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Whole Life Insurance Rates
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