Do Universal Life Insurance Premiums Increase? 
Yes , premiums can increase with a universal policy . They do not normally increase , but in a period of extreme market collapse , they have done so . Generally now , there are terms which can guarantee that not happening . But if your investments fell sharply , additional payments over the guaranteed payment , may be needed . A way to avoid this ever happening is to purchase indexed universal life . With this product , you participate in much of the market 's growth , but are guaranteed that you will not lose money and lock in your profits regularly . Talk with an agent . Thank you . GARY LANE . 