If you're like me, Universal Life is an enigma wrapped up in a conundrum. I spent a year or so before I was brave enough to write my first UL policy. I was intimidated by them. Term and Whole seemed fairly simple to understand, but UL? It scared me.

Admittedly, Universal Life policies are more complicated and can be confusing to understand, let alone to explain to a client. Hopefully, this helps. I'm not suggesting you go out and start writing a bunch of UL policies this week, but at least it's good to understand how they work so you can speak to them if a client should ask.

Hopefully, this podcast will give you a better understanding of one of the more confusing products we write.

If you like this, you may enjoy my book.

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