How Much Universal Life Insurance Do I Need? 
To determine how much Universal Life insurance you need , it can be helpful to list the purposes for your life insurance . I.e. To pay for your children 's college , to provide income during retirement , to pay for your funeral , etc. . Those things that are temporary -LRB- such as children 's college -RRB- might be best met with Term life . Those that could use a boost from the stock market -LRB- such as retirement income -RRB- could do well with Indexed Universal Life . Other permanent needs -LRB- such as funeral -RRB- might do best with Whole Life , partly because there are a lot of competitively priced final expense policies that come in Whole Life . Contacting any agent on this website would help you sort through your needs and find you the best combination of policies . 