| Universal Life Insurance
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Is a flexible premium life insurance
policy under which the policy-owner
may change the death benefit from
time to time (with satisfactory
evidence of insurability for increases)
and vary the amount or timing of
premium payments.
Premiums (less expense charges)
are credited to a policy account
from which mortality charges are
deducted and to which interest is
credited at rates which may change
from time to time.
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