LYCOS RETRIEVER 
Variable Universal Life Insurance: Premiums
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The premiums of a universal life insurance policy are split in two ways. The premium you pay goes toward covering the cost of the insurance policy and the remaining balance is invested and earns interest on a tax deferred basis. With this type of life insurance you ... receive a guaranteed minimum interest rate on the balance that is invested.
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There are plenty of reasons to be wary of whole and universal life insurance. Commissions are high, sometimes as much as 90 percent of the first-year’s premiums, so insurance brokers have a good
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