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Why Universal Life Policies Become Expensive Later
Universal life policies can work well for many years, but they often become more expensive as the insured gets older.
The cost of insurance can rise, cash value can decline, and the policy may require larger premium payments just to stay active.
Many policyowners are surprised when a policy that once felt affordable becomes difficult to maintain.
Before surrendering or lapsing the policy, it should be reviewed for possible market value.
A life settlement may allow the owner to sell the policy instead of continuing to pay rising costs.
The policy may still have value, even if it has become too expensive to keep.
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Saul L. Appel, CLU®, ChFC® | President, Appel Financial, Inc. | 50+ years experience 617-610-1898 | appelfinancial@gmail.com | www.appellifesettlements.com