Also, while insurance policies can sometimes be a good vehicle to save for college tuition, a variable whole life insurance policy is usually not. When the cash value reaches zero (or before then), you will get a notice from your insurance company saying that you will need to pay a higher premium, or your policy will disappear. When you need the money, you can borrow from the policy, tax-free. Because they offer coverage over a specific time period, a consumer can purchase just enough to cover his or her needs. You can also pay a larger amount in premiums if you choose to do so. Before making a final decision, you should review your current situation as it relates to you, your family, and your finances. The vast majority of people looking at life insurance (99%) should focus their attention to Term Life or Whole Life insurance. Top Whole Life is a marketing company, and doesn’t represent any life insurance company. Beyond that, the other major benefit whole/universal life insurance offers is that the premiums have the capability of growing as cash value over the life of the policy. The owner of the policy has complete discretion over which accounts the money will be invested in. In a nutshell, universal life insurance is a more flexible type of whole life insurance. The unique thing about variable universal life insurance is the way it combines a death benefit component with a savings component. For instance, a consumer can buy a term that is enough to cover mortgage payments. I have written about variable universal life insurance policies many times in the past. Whole life insurance: With a fixed premium. Only people who are sophisticated enough to understand how the policy works, what the goals and advantages of using it over whole life insurance are, and  people with large financial resources to fund it properly, should even consider purchasing a variable universal life insurance policy. and a lifelong financial advisor and retirement planner. The simple answer is that in most cases, a traditional whole life insurance policy is a better choice than a variable universal life insurance contract. Also, indexed universal life can have a cap on how much money you can make on your investments. Especially during periods of high market growth the policy will make money faster, and the long term charges to the owner will be lower with a VUL policy than with a traditional whole life insurance policy. The idea is that a policy owner will pay more into the policy than what is necessary to cover the cost of insurance in the early years. This is called a “lapse.”. The cost of insurance never rises, and dividend payments are often higher than illustrated, and the growth in cash value is slow and steady. The biggest issue that owners of variable life insurance policies encounter is that  a variable universal life insurance policy is not guaranteed to stay in force for the full lifetime of the policy owner, even if they have been making their scheduled premium payments all along. With whole life insurance, you get what you see. Variable universal life insurance (often shortened to VUL) is a type of life insurance that builds a cash value. Universal Life Insurance . Here is an article comparing a Whole Life Insurance vs IUL. Whole Life vs Indexed Universal Life. If you purchase a variable universal life policy, you should also take Option B for the death benefit. Like variable life insurance, there are sub-accounts in which you can invest. You’ll have access to higher interest rates if your investments perform well, but you’ll also risk negative interest rates in a downturn. However, it’s still a Universal Life Policy with all of its drawbacks. A variable universal life insurance policy combines the benefits of a variable policy with a universal—or whole life—policy. When it comes to comparing whole life vs Indexed Universal Life many people get it wrong! Variable universal life insurance uses the investment to help grow the cash value. You read over your contract to find that after 15 years, the surrender charge is 25 percent. and death benefit, along with the ability to accumulate cash value. Like universal life insurance, you can adjust the premium and death benefit of your policy. Variable Universal life insurance: This provides flexibility in regards to premium payments, savings, and death benefits. A universal life policy protects you as long as you pay the premium. For these people a VUL policy can be a great estate planning tool. As a result, universal life insurance premiums are typically lower during periods of high interest rates than whole life insurance premiums, often for the same amount of coverage. Whole life vs universal life insurance. You can only make an informed decision after you compare every type of life insurance policy. What is variable universal life insurance? If the cash value is depleted it becomes extremely difficult for most people to cover the high insurance costs out of pocket if there is not enough cash value invested in the policy in the sub accounts. For those who want to make their own investments, this is a definite disadvantage to whole life policies. Stay away from Variable Universal Life insurance. It works because a high cash value will appreciate with the market over time, building faster than the insurance charges are being taken from the cash. A policy will still lapse if there is insufficient cash value to cover the monthly insurance charge deductions. Not only does this allow for more flexibility in regards to your management, but it also provides the opportunity to grow your cash value over time. This is the most common permanent life insurance coverage, with many consumers enjoying the fixed premium. Get A 10k Life Insurance Quote Read more about term vs. whole life insurance. Simply put, whole life insurance protects you as long as you live. Key features of whole vs. universal life insurance. When put like this, it’s hard to imagine anyone would pass by variable universal life insurance. If you’re interested in a variable life insurance policy, talk to an agent who is licensed to sell these products. You don’t want your insurance and your investment to disappear. As noted above, surrender charges often come into play if you try to cancel a variable universal life policy. People with a lot of money can use a variable universal life insurance policy as an investment account, which they can pass onto the next generation free of tax. Like whole life and universal life (UL) insurance, VUL is a permanent* life insurance policy with the potential to earn cash-value over time. Since these are not considered “real investments,” there are higher fees associated with variable universal life. These are very typical of different policies. Furthermore, you need to consider how your loved ones will be impacted after your death. Discover the benefits and types of plans at Dundas Life. This is a very safe form of life insurance that will cover the insured person no matter how long they live or what happens in the marketplace. All because they didn’t understand what they were getting into upfront. These policies work the very best when most of the total funding takes place within the first few years. Unfortunately, there are many problems with this arrangement, including the fact that there are high fees and expenses associated with this type of policy. Another issue is that people take advantage of the flexible nature of universal life policies. You have the option to choose how to invest. Both policies offer flexible premiums and become a cash asset over time. Variable life insurance is similar to whole life because you will earn interest with both types of policies. When the market is down, the insurance costs will rob an even higher percentage of the total cash in the policy, and limit future growth. From term life insurance that can be purchased for a few dollars per month to whole life insurance that covers you until the day … Universal Life Insurance Universal life insurance is a form of cash value life insurance. Both are with you for life, and both have a guaranteed death benefit. Unfortunately, there are a number of issues with this rosy picture. Regardless, most investors who want variable life products prefer the variable universal over the variable whole life because of the increased flexibility. Sometimes a very high rate of return will be used to illustrate a policy, such as 8% to 10%. The way insurance charges are calculated with variable policies is a little complicated and depends upon a number of factors. Universal life insurance rates There’s a lot … There are a couple of reasons this occurs even with an owner making what they think are sufficient payments. Variable life insurance policies are not suited for those who prefer not to take financial risks or for those whose beneficiaries would not be able to do with a reduction in the death benefit. If You Have A VUL contact us immediately for a quick analysis. Proud graduate of Brown University (Go Bears!) Universal life insurance vs. whole life insurance. However, in a Variable Universal Life, you will have a better chance of lapsing the policy. As long as there is sufficient cash to pay insurance charge deductions, the policy stays in force. The cash value is invested in “sub accounts” which are basically mutual funds within the policy. This will build up a large cash value over time, which will become larger with they hypothetical growth in the market. If you don’t, your policy will lapse. The important point is that if the policy was not funded sufficiently in the early years of the policy, it becomes very difficult to keep the policy in force later in life. However, the interest earned with a whole life account is fixed, whereas variable account earnings fluctuate depending on the markets you’ve chosen. Hypothetically, because the stock market has historically returned about 12% per year, the expected growth in cash value is much higher than the expected growth from dividend payments in a whole life insurance policy. Meanwhile the stock market was consistently averaging close to 15%. For that reason, universal life insurance is less expensive than whole life insurance. Universal Life . These are people who have sufficient money to fund the policy at least as well as the original illustration intended it to be funded. Variable universal life insurance works well for a small subset of people. From this cash value, each month the insurance charges are pulled. As we mentioned, lapsing is when you do not have enough cash to sustain the policy. Below are some of the overall pros and cons of universal life insurance. The simple answer is that in most cases, a traditional whole life insurance policy is a better choice than a variable universal life insurance contract. Both whole and universal life insurance give you coverage for life, with a cash value that can be borrowed against. When the policy lapses, you will have no more coverage and no more cash value, and you will lose all of the premiums you paid into the policy. Both types of policies provide permanent life insurance protection with a cash value investment component that can grow over time, but universal life offers more flexibility to deal with changing life circumstances. A higher cash value will also lessen the “net amount at risk” from which charges are based. Furthermore, if you attempt to get out of the policy before five years, you lose most (or all) of the money put in as a “surrender charge.” This alone keeps people tied up with a policy they don’t want, all the while costing them money in fees every year. In the end, you’ll probably find that whole life coverage is the safest and most stable option. While variable universal life doesn’t. The main difference between these two universal life policies is how they treat the downside and the upside of the investments. A traditional whole life insurance contract has scheduled premiums that do not change, the dividend growth is relatively predictable and has minimum guarantees, and as long as the premiums are paid as scheduled, the policy will not lapse. A policy holder will pay insurance premiums into the cash value. When shopping for a life insurance policy, consumers have a large number of choices. Universal life insurance contributes to the other aspects of variable universal life insurance. This cost of insurance is taken every year from the cash value. If the mutual fund sub-accounts within the policy do not perform as well as the illustrated rate of return showed, then the owner of the policy may not end up with enough cash in the policy to cover the increasing insurance costs. At some point, the cash value plus the expected market growth will be large enough that the owner does not need to make payments any longer. Another key … Variable life insurance policies are permanent life insurance policies with a death benefit, just like universal and whole life policies. Based on Policygenius quotes, a 30-year-old may pay on average about $42 per month in premiums as an initial rate, but the rate will almost certainly fluctuate. What are the key similarities and differences? A whole life is a much more conservative product without a large upside potential. Get A Life Insurance Quote Unless you are an extremely sophisticated investor with trust planning needs, odds are that a traditional life insurance policy will fit your needs better. But there’s a big difference.   A universal life policy gives you the option to change your death benefit and allows you to adjust your premium payment once the policy accumulates a cash … One of the biggest myths of variable universal life is that your money is invested. Essentially with high enough funding the policy becomes an investment account which can be passed on tax free to the beneficiaries. This is a good idea if you’re seeking death benefit protection, but remember this: It’s risky to access the cash value if you want to keep your death benefit in place. With this extended period, premiums are considerably more expensive. traditional whole life insurance contract, How to Find Out If A Life Insurance Policy Is Still Valid. And of course, when you pass on, your beneficiaries also receive the money tax-free.”. Whole life insurance: With a fixed premium, guaranteed cash value accumulation, and a guaranteed death benefit, this is a popular choice among consumers. While this money can never replace you, it can help them live the kind of life you hoped to provide. And it has … Briefly, a variable universal life insurance policy acts like a permanent renewable term life policy, with a cash value. But … Provide cash value growth. When policy holders are very old and need the insurance the most, their insurance charges can become extremely high. No matter the cause, a lower cash value means that out of pocket costs will be very high at some point. In simple terms, a whole life insurance policy offers more of a stable savings approach, while a variable life policy offers the potential risks and rewards of an investment. Whole life insurance Universal life insurance; Lifelong protection Fixed premiums Flexible premiums Builds cash value Investment component Guaranteed death benefit Fixed interest rate Variable interest rate Tax-free withdrawals and loans Dividend payments Policies available with a medical exam Learn more: Learn more: Protect your … All universal life policies have something called the cost of insurance. Here are some of the many things you need to know: The flexibility of universal life insurance is what attracts many people. It’s sort of like an IRA, just better. A traditional whole life insurance contract has scheduled premiums that do not change, the dividend growth is relatively predictable and has minimum guarantees, and as long as the premiums are paid as scheduled, the policy will not lapse. Similarities of Whole Life and Universal Life. All rights reserved. The answer, unfortunately, is not as straightforward as you may hope, and the real answer is “it depends”. Lower cash values typically mean higher insurance charges for the policy because the amount at risk is higher. Universal Life Insurance. These policies also charge higher premiums than the cost of insuring you; the extra money from the premiums is invested, it grows tax-free, and the policy acquires a cash value. The first is that the actual cost of insurance, also known as the insurance charge deduction, rises every year over the lifetime of the policy. Variable universal life is often sold to unsuspecting customers through promises of unrealistic projects. Offer tax deferred cash value growth. The subaccounts are structured in the same way as a group of mutual funds, meaning that your money is invested in different stock and bond accounts. As you age, what can happen is that your cost of insurance is so high that your cash value stops growing and starts going down. Nor do they necessarily require level premiums. The second issue that people may face is that the actual performance of the sub accounts does not match what was illustrated. This is a common question for many people who have just visited with a financial advisor who recommended a variable universal life insurance policy. Whole and universal life insurance differ from term insurance in that they last for your whole life. The flexibility that a universal life policy provides is a key differentiator over whole life. For example, both whole life and universal life are: Permanent life insurance products. Buying any permanent life insurance is one of the biggest financial decisions you will ever make. Whole life insurance offers consistency, with fixed premiums and guaranteed cash value accumulation. Universal life combines the pure insurance elements of term life with the savings account features of whole life insurance. It adds flexibility to the traditional definition of permanent life insurance. Browse and get your life insurance quote today. Whole life vs variable life. What is universal life insurance? If whole life policies are “low risk, low reward,” variable life policies are “high risk, (potentially) high reward.”. If you’re not a schedule person and more of a “fly by the seat of your pants” type, or you know somebody who is, they would identify well with Universal life insurance.Universal life gives you flexibility in the premium payments and the duration of … Like whole life, the more traditional variety of cash policy, universal life is two things in one. There is also a policy type that combines the variable life insurance and universal life insurance: variable universal life insurance. The products are designed to do completely different things. Variable Universal life insurance is an idea to consider, especially if you are interested in something with more flexibility. Every premium payment you make is paid into the savings component, with the life insurance company taking the money it requires to cover administrative costs. The fixed premium for the life of your policy, allowing you to budget for this expense (both now and in the future), You can pay your premiums at any time, in any amount, You can’t increase the face value of your policy until you pass another medical exam, Two death benefit options: a fixed amount or one that grows based on the face value of your plan, along with any cash value, Surrender charges can last as long as 15 years, Whole life insurance doesn’t have a surrender charge. Take, for example, a situation in which you purchase a $500,000 VUL policy. Term Life Insurance Advantages – these policies come cheaper compared to whole, variable and universal policies. The problems with a VUL policy (overwhelming charges due to low cash value) do not exist when large payments are made into the policy. Whole Life and Universal Life have a large number of similarities. The ’80s Just a few years later, in the middle of the ’80s, Whole Life policies were paying over 13%, while their counterpart Universal policies were only paying 7%. It doesn’t matter when you pass on, as long as you continue to make your payments in full, and on time you can rest assured that your beneficiary will receive a death benefit payout. Universal life, also known as adjustable life insurance, has more flexibility compared to standard whole life coverage. What this means is simple: if you try to cancel your policy at this time, the insurance company will charge you 25 percent of the cash value, thus making your surrender value much less than what you initially believed. Save my name, email, and website in this browser for the next time I comment. Many people have lost almost all of the money they put into a policy. Allow you to borrow against the cash value for tax free life insurance loans. Variable universal life insurance, also known as flexible premium universal life, blends many features of traditional whole life, universal life and variable life. The advantages of a whole life insurance policy are clear, it is an affordable form of permanent life insurance which also may generate income from dividend payments. The biggest issue in the industry is that most sales are not to people with sufficient financial resources, but they are to people with moderate resources. Variable universal life insurance policies have the cash value structure of variable life insurance, but you can use the cash value to pay premiums. Most people can not afford to truly fund their policy to the level that it needs to be funded. However, universal life policies apply earnings based on a money market rate of interest. A universal life insurance contract (UL), or variable universal life insurance contract (VUL) does not have minimum cash value guarantees in the same way that whole life does. In this article, we’re going to discuss the finer details of whole life insurance vs variable universal. Flexible Premiums with Variable Universal Life Insurance. In theory, a variable universal life insurance policy sounds like it has many advantages over a traditional whole life insurance contract. Variable life insurance allows you to use your cash value to invest directly in the stock market. In this article, we’re going to discuss the finer details of whole life insurance vs variable universal. Charges are quoted in “cost per thousand at risk”. For example, if you face a financial setback, such as a job loss, you can stop your premiums or reduce your payment by using your cash value. Many people will do a good job of building their cash initially, but realize that they can skip payments or stop payments for a period of time and the policy will not lapse. This puts the policy at a very high chance of lapsing for the average person. If you currently have a VUL or any UL, make sure you check to see how it is projected to perform. People also take loans and withdrawals from these policies, further destroying cash value. Index universal life or Indexed Universal Life (IUL) has downside protection. The charge per dollar at risk to the insurance company (this is defined as the death benefit that would be paid on a claim, minus the current cash value) unequivocally will rise over time. Projects always assume straight line growth, but anyone who has invested money in the stock market that linear growth is the only thing you can count on never happening. Note: you need to have enough cash value to cover your premium payments. Variable Universal life insurance: This provides flexibility in regards to premium payments, savings, and death benefits. Best & Cheapest. Best & Cheapest, How to Review Your Life Insurance Coverage in 2018, participating whole life insurance policies. Variable annuities and indexed universal life are both life insurance company products with some similarities and a few significant differences. When you combine a high amount at risk with no value to draw from the cash value for insurance costs, the cost of the policy easily become unmanageable for many people. Most people do not understand how the policy is structured to work for their benefit when it is properly funded. Like whole life, universal life insurance builds a cash value over time. While a variable universal doesn’t limit how much upside you have. Also, this cost of insurance increases each year. For those who are unfamiliar with how they work, please read our detailed description here. Copyright © 2020 Top Whole Life LLC Here is a breakdown of the many reasons why whole life insurance remains so popular: By purchasing whole life insurance when you are young and healthy, you can lock in a low rate that will never change in the future (even as you age and your health situation changes). While true to a certain extent, these policies use subaccounts. For more on how these two compare, see whole life vs universal life. An option A policy has a flat death benefit for the duration of the policy. Agents tell prospects something like this: “All you have to do is purchase a VUL policy, and the money will grow tax-deferred. While this is true, and it is good for people in the short term, it is starving the policy of the cash value it needs to stay in force later when costs are high. A whole life insurance policy, on the other hand, establishes a fixed premium payment amount and does not allow you the flexibility to determine how your funds will be invested. Premium flexibility, cash value investment control and death benefit flexibility are key among these features. And it has upside potential if your investments perform. Universal vs whole life insurance policies. Please fill all the fields below (your email won't be displaied on the site). Life insurance fills a unique role: when you’re no longer able to be there for your loved ones, the life insurance company will deliver a tax-free check to your beneficiaries. 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