Universal Life isn’t just “pay and forget.” 👇 Think of it like a bucket of money. You can fill it up… but there’s always a spigot draining it — the cost of insurance. When you’re young, more of your premium builds cash value. As you age, more goes to insurance instead. Yes, Universal Life is flexible. But if you don’t understand how it drains, your policy can surprise you later. If you’re studying for the exam or selling life insurance, this part matters. Learn the why, not just the term. 👑 👉
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