Pacific Life and New York Life are among the best universal life (UL) insurance companies in our analysis. There are several kinds of UL policies that meet different needs. Riders can add features and ...

・Indexed Universal Life (IUL) combines permanent life insurance with a cash-value account tied to a stock market index. ・Growth is limited by caps and participation rates but protected from losses by ...

Lincoln Financial offers consumer-friendly options, like term life insurance that can be purchased over the phone and a universal life policy with long-term care benefits. Applicants must work with a ...