Something more about UL
UL is a kind of insurance with investment portion inside.The death benefit includes face amount and cash value(investment return). The premiun is depended on your age,gender,smoking status and level for life. You can use it for enhancing your retirement income,protecting your estate and leave a capital to your child and relatives. If you apply for a UL policy,you will find minimum and maximum premium listed on the policy.The minimum premium is the lowest limit to hold the policy in force. The maximum is the tax exempt line.Both of these are depended on the face amount of the policy. If you do not want to have a permanent insurance or not interested in investment because of risk,you can choose Term insurance. The Term 10 is only one of the Term product. -zqglong(Geoege) 2002-10-27