Why Have Universal Life Insurance? 
Because , under the right circumstances and with the right carrier , you can outperform whole life 's growth by buying universal life . Universal is tied to certain market activity , which can permit additional growth over the carriers general fund . However , in down markets , it permits loss , which can actually cause an increase in the premium . There is , however , an easy way to prevent any such loss . Buy Indexed universal life . It provides a slight decrease in the market 's appreciation in exchange for a guarantee that you will never lose money when the market drops . Your funds are locked in annually . Talk with your agent . Thank you . GARY LANE . 