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| Term Life | Universal Life | 3rd Column Example | |
|---|---|---|---|
| Key features | Level
Ideal coverage for high-demand years when you need coverage most |
Flexible
Flexibility to manage your policy over time as needs change |
|
| Cost | $ | $$ | |
| Death benefit | Payable if you pass away within the term period you select | May be increased or decreased to suit your needs (within certain guidelines) | |
| Premium payments | Stay the same during the selected term period |
Vary depending on changes to the death benefit amount or fluctuations in credited interest rates | |
| Cash value | Not a feature of term life | Builds based on credited interest rates |