How Does A Variable Universal Life Insurance Work? 
This type of life insurance is intended to be a permanent policy , which will never go away and protect you until your death . The premiums are variable , depending upon meeting payments within a certain range of guidelines , depending on your cash flow that month . It will accumulate value , depending upon the economy . It is pegged to a variety of market indexes , from which you may selected . Unlike whole life , which is fixed , universal has some variable qualities , allowing you to take advantage of the stock market 's growth . An indexed universal gives you some benefits of both whole and universal , by limiting the growth to a percentage of the market 's growth , while ensuring you never can lose money . Thank you . GARY LANE . 