Joshua Wahls, Author at Insurance By Heroes

All Posts By Joshua Wahls

Variable Universal Life Insurance [2025 Guide]

Planning for your financial future involves navigating a complex landscape of tools and strategies. Life insurance plays a crucial role, providing peace of mind and financial security for your loved ones. Among the various types available, variable universal life insurance, often called VUL, stands out as a flexible permanent policy with the potential for significant…

VIUL Insurance Explained (Updated for 2025)

Navigating the world of permanent life insurance can feel complex, especially when exploring options designed for cash value growth alongside protection. One such option is Variable Indexed Universal Life (VIUL) insurance. Understanding its unique structure, potential benefits, and inherent risks is crucial before deciding if it aligns with your financial goals. This guide, updated for…

Universal Underwriters Life Insurance Facts [2025 Update]

Searching for information on Universal Underwriters Life Insurance Company often means you’re looking for reliable life insurance options. Perhaps you’ve heard the name, or maybe it came up in relation to older policies. Understanding the history of this company is helpful, but the real key to securing your family’s future is finding the right coverage…

Term vs Universal Life: 2025 Guide (Incl. VA Term)

Life insurance is a cornerstone of sound financial planning, providing a vital safety net for your loved ones in your absence. But navigating the world of life insurance policies can feel overwhelming. Two popular options often cause confusion: term life insurance and universal life insurance. Adding to the mix, veterans and service members have access…

Universal Life Policy Options Explained (2025 Update)

Life insurance is a cornerstone of sound financial planning, providing peace of mind and security for your loved ones. While term life insurance offers coverage for a specific period, many individuals seek lifelong protection combined with financial flexibility. This is where Universal Life (UL) insurance enters the picture. However, navigating the various universal life policy…

Universal Life Insurance Payouts Explained (2025 Guide)

Life insurance is a cornerstone of sound financial planning, providing a safety net for your loved ones after you’re gone. Among the various types available, Universal Life (UL) insurance offers unique flexibility regarding premiums and death benefits. However, this flexibility can also lead to questions, particularly concerning the final payout. Understanding how a universal life…

Preventing Universal Life Lapse: 2025 Guide

Life insurance is a cornerstone of financial planning, offering peace of mind and crucial support for loved ones left behind. Among the various types available, universal life (UL) insurance stands out for its flexibility. However, this same flexibility can, unfortunately, lead to a significant risk: the policy lapsing unintentionally. A universal life insurance lapse can…

Universal Employee Life Insurance: 2025 Guide

Life insurance is a cornerstone of financial planning, providing peace of mind and security for your loved ones. Many employers offer life insurance as part of their benefits package, and one option you might encounter is universal employee life insurance. But what exactly is it, and is it the right choice for your specific situation?…

UL Death Benefit Options Explained (2025 Guide)

Planning for the future involves making important decisions today, especially when it comes to ensuring the financial security of your loved ones. Life insurance is a cornerstone of sound financial planning, providing a vital safety net should the unexpected happen. Among the various types of life insurance available, Universal Life (UL) insurance stands out for…

VUL Explained: 2025 Guide to Variable Universal Life

Life insurance is a cornerstone of sound financial planning, providing peace of mind and security for your loved ones. However, navigating the different types of policies available can feel overwhelming. Term life, whole life, universal life – and then there’s Variable Universal Life (VUL). What exactly is VUL, and could it be the right choice…

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