Text: Universal life insurance (often shortened to UL) is a type of cash value life insurance, sold primarily in the United States of America. 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 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 (often 2%). When an earnings rate is pegged to a financial index such as a stock, bond or other interest rate index, the policy is an ''Indexed Universal Life'' contract. These types of policies offer the advantage of guaranteed level premiums throughout the insured's lifetime at substantially lower premium cost than an equivalent whole life policy at first; the cost of insurance is always increasing as found on the cost index table (usually p. 3 of a contract). This not only allows for easy comparison of costs between carriers, but also works well in irrevocable life insurance trusts (ILIT's) since cash is of no consequence.

Question: do universal life policies have a cash value?
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Answer: yes

Text: ZZ Top /zizitp/ is an American rock band formed in 1969 in Houston, Texas. The band has, since 1970, consisted of bassist and vocalist Dusty Hill, guitarist and lead vocalist Billy Gibbons (the band's leader, main lyricist and musical arranger), and drummer Frank Beard. ''As genuine roots musicians, they have few peers'', according to former musician, critic and collector Michael ''Cub'' Koda. ''Gibbons is one of America's finest blues guitarists working in the arena rock idiom (...) while Hill and Beard provide the ultimate rhythm section support.''

Question: are all the members of zz top still alive?
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Answer: yes

Text: Coke Studio is a Pakistani musical television series. Its tenth season began on 11 August and ended on 21 September 2017. Strings and The Coca-Cola Company emceed the show as executive producers, while the show returned with the previous year's format of music directors leading and producing their own songs under Strings' supervision, despite the decision of not adopting this format for next year.

Question: is this the last season of coke studio?
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Answer: no

Text: The Canadian Charter of Rights and Freedoms guarantees that all Canadian citizens have the right to vote in federal and provincial elections. The Supreme Court of Canada has held that even if a Canadian citizen has committed a criminal offence and is incarcerated, they retain the constitutional right to vote. In the 2015 federal election, more than 22,000 inmates in federal correctional institutes were eligible to vote.

Question: can you vote in canada if you have a criminal record?
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Answer:
yes