Contact Us: (772) 200-5254
The Real Financial Group
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  • Home
  • Planning
    • Business Planning >
      • Consulting Services
      • Retirement Solutions
      • Business Management
      • Super 401(k) Consulting
    • Personal Planning >
      • Financial Planning
      • Retirement Planning
      • Investment Planning
      • Creating A Legacy
      • 0% Retirement
    • Special Needs Planning
    • Financial Calculators
  • Insurance
    • Life >
      • Term Life Insurance
      • Whole Life Insurance
      • Universal Life Insurance
      • Final Expense Insurance
      • Annuities
    • Disability >
      • Individual Disability
      • Disability Overhead
      • Key Person Disability
      • Supplemental Disability
      • Business Overhead
      • Group Disability Plans
      • Critical Illness Insurance
    • Long Term Care >
      • Long Term Care
      • Whole Life + LTC
      • Annuities + LTC
      • LTC Planning
    • Medicare Coverage >
      • Medicare Supplements
      • Medicare Advantage
      • Prescription Drug Plans
    • Business - Employer / Employee >
      • Business Insurance
      • Key Man Insurance
      • Buy/Sell Agreements
      • Disability Overhead
      • Group Health Plans
    • Request Specialized Coverage
  • Quotes
    • Employee Benefits >
      • Group Health Insurance
      • Group Disability Plans
    • Life Insurance >
      • Term Life Insurance >
        • Compare Term Quotes
        • MassMutual Coverpath
      • Whole Life Insurance
      • Final Expense Insurance
    • Disability Insurance >
      • Disability Income
      • Critical Illness
    • Long Term Care
    • Fixed Annuities
    • Medicare Coverage >
      • Medicare Supplements
      • Medicare Advantage
      • Prescription Drug Plans
  • About Us
    • Client Testimonials
    • Insurance Carriers
    • The RFG Team
    • Photo Gallery
    • Our Videos
    • Newsletter
  • Contact
    • Contact Us
    • Refer a Friend
    • Join Our Team
    • Staff Directory
    • Free Consultation
    • Self Services Links >
      • Report a Claim
      • Make a Payment
      • Update Contact Info
      • Policy Changes
      • Proof of Insurance
      • Policy Review
      • Contact My Carrier
      • Online Documents
    • Schedule an Appointment


Universal Life Insurance

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What is Universal Life Insurance?

A type of permanent life insurance. Under the terms of the policy, the excess of premium payments above the current cost of insurance is credited to the cash value of the policy. The cash value is credited each month with interest, and the policy is debited each month by a cost of insurance (COI) charge, as well as any other policy charges and fees which are drawn from the cash value, even if no premium payment is made that month. Interest credited to the account is determined by the insurer, but has a contractual minimum rate of 2%. When an earnings rate is pegged to a financial index such as a stock, bond or other interest rate index, the policy is a "Equity Indexed Universal Life" contract.
(772) 200-5254
2400 SE Federal Hwy
Suite 210
Stuart, FL 34994
Click Here to Email Us

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The Real Financial Group
2400 SE Federal Hwy
Suite 210
Stuart, FL 34994
(772) 200-5254
Click Here to Email Us

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