Is Universal Life Insurance A Good Investment? 
That is a great question ! Let 's start out by making sure we are using the same terminology though - an investment is something that is designed to increase your money , in a way that allows you to access it . Investments are stocks , mutual funds , bonds , things like that . Insurances are not investments per se - they are protections - like your emergency fund that you should have , they are designed to protect against a loss that you may incur . In the case of life insurance , that loss is you . As such , you can not reap the benefits of the policy , it goes to those you leave behind . Universal life policies are often pitched like investments because they CAN have significant cash growth . They are just like the stock market though - they can go belly up without proper management and attention to the payments needed . These are not your `` buy it and toss it in the safe '' policies , and generally work out very poorly for those who do that . Any life insurance policy is an investment in your peace of mind.If you are someone who has a higher risk tolerance , and closely watches the financial statuses very closely , then you might want to speak to your advisor about a UL policy , but please make sure they explain it very thoroughly to you , including all of the things that have to fall perfectly into place to provide those big dollars that they promise you , okay ? If you want the straight deal , contact me , I 'm happy to help . Thanks for asking ! 