Is Universal Life Insurance A Good Investment? 
Product suitability is determined by a personal financial profile that includes a risk tolerance assessment , financial goals and a life expectancy projection . Current assumption universal life insurance has three crediting methods to consider based on your personal financial profile : interest rate earnings , indice returns and separate sub account performance -LRB- positive or negative -RRB- . Variable universal life is characterized as an investment product and the others universal life types are saving products . The income design is critical to have any probability of success . The design must feature the lowest cost of insurance death benefit option that complies with TAMRA . Any death benefit option switching and/or decreasing in death benefit before distributions should be applied . The goal in death benefit management is to contain policy costs throughout the life of the policy which needs to be kept in force for the life of the insured . 