When most people buy a life insurance policy, they file it away hoping to never need it. But, if you have cash value life insurance policy, such as whole life, universal life or variable universal ...

Universal life insurance offers permanent coverage with a unique twist—flexibility. Unlike other policies that lock you into ...

But for the richest of the rich, policies can slash tens of millions of dollars off their tax bills. Private-placement life ...

Term life policies are cheaper than whole life insurance because they offer only coverage, not cash value. Policyholders of whole life insurance are usually eligible for annual dividends from the ...

Any value of unpaid loans taken against the cash value account within the policy would be deducted from the death benefit, however. Term life insurance provides coverage over a specific period of ...

Reaching the end of your term life insurance might feel like closing a chapter — your coverage provided security during the ...

When you make a premium payment, part of the money goes into a cash value account. Whole life insurance buyers typically like the guarantees with a policy: Fixed premiums, a fixed rate of growth ...

Permanent life insurance policies can serve as tax-advantaged savings vehicles through the life of the policy. Your policy's cash value gives you a way to build savings on top of insurance protection.

Life insurance can boost a retirement plan and provide tax-advantaged growth, but clients must understand the product.

Policies have some cash restrictions in the early years that ... A dividend-paying whole life insurance contract with consistent growth of 3% to 4%, not subject to market risk, tax-free growth ...