Universal Life Insurance Quiz

Froggy Jumps

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UL basics and features

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Sharon

United States

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Universal Life Insurance Quiz


Froggy Jumps Universal Life Insurance QuizOnline version UL basics and features by Sharon 1 Which statement about UL is true? a Has a surrender charge period between 15-20 years b Partial withdrawals or cash surrenders are always tax free c Premiums are locked in for life and must be paid on schedule 2 What is universal life insurance? a Permanent coverage with flexible premiums, but must be monitored b Term coverage with fixed premiums and no cash value c An annuity with guaranteed payout 3 What determines cash value growth in UL? a After COI is paid, excess cash value earns interest b Fixed annuity rate regardless of premiums c Market investments with no guarantees 4 Can you adjust premiums in a UL policy? a No, only the death benefit option can be changed b Yes, premiums are flexible within certificate guidelines and IRS limits c No, premiums are strict and fixed for life 5 What can happen if UL cash value runs low? a The death benefit automatically doubles b The insured must surrender immediately c Insurance can terminate if costs exceed cash value 6 How does UL differ from whole life? a UL never builds cash value b UL premium amount and payment timing is more flexible c UL has fixed/set premiums only 7 What are the UL death benefit options? a Death benefit increases as insured ages b Option 1=Death benefit. Option 2=Death benefit + cash value c Death benefit decreases as insured ages 8 Can you take a loan against a UL cash value? a No, loans are never allowed b Only withdrawals, not loans, are allowed c Yes, a loan may be available depending on the certificate 9 Who can best help with UL questions and projections a Conservation b Certificate Services c SC Support 10 What is MPG? a Member Protection Guarantee. It helps keep MaxCl Pro in force b Miles Per Gallon c A nonforfeiture option 11 What happens if member is STAT WMD a They are disabled and MWA is covering their COI b Weapons of Mass Destruction - take shelter! c Member must still pay premiums to keep cert active 12 For UL, COI stands for a Cost of Insurance - cost to insure a person. COI increases with person's age. b Certificate of Insurance c Conflict of Interest 13 PLPM stands for: a Planned Annual Premium b Please Pay Me c Premier League Prime Minister 14 This UL Death Benefit Option includes cash value on date of passing: a Option / Type 2 b Option / Type 1 c Modern Woodmen stock Options 15 This status/STAT means member is utilizing the disability rider. a WMD - Waiver of Monthly Deductions b SSI - Social Security Income c PAYING

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Universal Life Insurance Quiz

Froggy Jumps

About this activity

Created by

Download the paper version to play

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Universal Life Insurance QuizOnline version

by Sharon

Which statement about UL is true?

What is universal life insurance?

What determines cash value growth in UL?

Can you adjust premiums in a UL policy?

What can happen if UL cash value runs low?

How does UL differ from whole life?

What are the UL death benefit options?

Can you take a loan against a UL cash value?

Who can best help with UL questions and projections

What is MPG?

What happens if member is STAT WMD

For UL, COI stands for

PLPM stands for:

This UL Death Benefit Option includes cash value on date of passing:

This status/STAT means member is utilizing the disability rider.