Is Universal Life Insurance A Good Investment? 
For many people it may be the best choice . It is a type of permanent life insurance . Unlike Whole Life , whose growth depends entirely on the carrier 's general fund growth , Universal is more reflective of the market . This means it can go up substantially or down substantially . One way of avoiding the terrible lows is to buy indexed universal , which limits both the ups and the downs . Discuss your options with an agent . Thank you . GARY LANE . 