What Are the Disadvantages of Universal Life Insurance

Sat, 02 May 2026 11:50:10 +0000

**What Are the Disadvantages of Universal Life Insurance—And Why It Matters for U.S. Policyholders?** Why are more people in the U.S. discussing universal life insurance this year? Rising interest in flexible, long-term financial protection is driving curiosity—and scrutiny—about how these policies truly perform. While marketed as a customizable, potentially income-generating tool, universal life insurance carries notable trade-offs that prospective buyers would be well advised to explore. This guide unpacks the key disadvantages, clarifies how the policy works, and helps you make informed decisions—without the noise. --- ### Why What Are the Disadvantages of Universal Life Insurance Gaining Traction