Universal life insurance is one of the best solutions for legacy planning and retirement planning, It provides guaranteed returns and liquidity in a volatile time like now.

But universal life insurance is a complexed and highly customizable product too. That is why it is often poorly advised, if not mis-sold.

As a licensed independent adviser,  I helped clients compare and analyse universal life insurance solutions. In this article, I will share with you:

How does universal life insurance work? How does it help ensure your assets well preserved and well managed? What are the common pitfalls of buying universal life insurance? How does premium financing work and why it is not suitable most of the time?

If you are considering to buy universal life insurance or you already have one, you should continue to read…

What is universal life insurance

If you have some significant sum of savings and

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