Inside Universal Life Insurance

Over the past several years, consumers have become increasingly aware of the new wave of insurance policies.

While most authorities agree that it is most difficult to compare products, it has become more apparent that the performance of an insurance company is of particular concern as it influences the ultimate cost of the insurance product.

Two factors which are the end result of a company's performance are interest (the amount of money being credited to policy cash values) and mortality (the costs allocated to each policy for insuring one's life). An insurance company may choose to ignore its own current investment yield and mortality experience and project what it believes is a realistic estimate of its future performance.