Consumer Action Handbook I’m excited to have the opportunity to welcome you to a new edition of USA.gov’s Consumer Action Handbook, your guide to being an informed consumer. Marietta Jelks – Editor-in-Chief, Consumer Action Handbook Whole (or universal) life insurance policies are considered permanent. As long as you pay the premium, the policy is in…

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Ratebook Universal Life is a ratebook and more, all by itself. If you say you have Universal Life, you in fact have more of a product than you probably have in your current portfolio at the present time. —  Thomas F. Eason 1983 – SOA – Individual Life Insurance, Society of Actuaries – 22p Adjustable Life -…

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