Why Should I Get Universal Life Insurance? 
Jason hit the nail on the head . Another reason to get Universal Life is to have one policy that can be adjusted to last the rest of your life . Universal Life is very flexible , allowing you to adjust the premium and face amount whenever you want . These actions can also affect the longevity of the policy and cash value in it . Therefore , as your family 's needs change , you can use your universal life policy to accommodate them . 