Do Universal Life Insurance Premiums Increase? 
A universal life policy differs from a whole life type policy in that the accumulation portion of the policy is not the responsibility of the insurance company , rather it is the responsibility of the policy owner . This allows the owner to change deposits to suit their ability to accumulate money . It could be that at some future point that the policy will start to have declining accumulations because the cost of insurance could exceed the owners deposits . The owner then must either increase the rate of deposits , decrease the coverage or face a collapse of the policy . 