What Is Universal Life Insurance? Universal life insurance offers permanent coverage with a unique twist—flexibility. Unlike other policies that lock you into fixed premiums and set death benefits, ...

Pacific Life and New York Life are among the best universal life (UL) insurance companies in our analysis. There are several kinds of UL policies that meet different needs. Riders can add features and ...

Our top picks include State Farm, Ethos and Lantern.

How to choose a policy that provides lifelong coverage and often a cash value feature Written By Written by Insurance Staff Writer, WSJ | Buy Side Kimberly Lankford is an insurance staff writer at Buy ...