{"id":169442,"date":"2025-02-18T02:38:26","date_gmt":"2025-02-18T02:38:26","guid":{"rendered":"https:\/\/namso-gen.co\/blog\/what-is-the-difference-between-term-and-universal-life-insurance\/"},"modified":"2025-02-18T02:38:26","modified_gmt":"2025-02-18T02:38:26","slug":"what-is-the-difference-between-term-and-universal-life-insurance","status":"publish","type":"post","link":"https:\/\/namso-gen.co\/blog\/what-is-the-difference-between-term-and-universal-life-insurance\/","title":{"rendered":"What is the difference between term and universal life insurance?"},"content":{"rendered":"<p>When it comes to life insurance, there are several options available for individuals looking to protect their loved ones financially in the event of their passing. Two popular types of life insurance policies are term life insurance and universal life insurance. While both serve the purpose of providing a death benefit to beneficiaries, there are significant differences between the two. So, what is the difference between term and universal life insurance? Let&#8217;s explore.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_62 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/namso-gen.co\/blog\/what-is-the-difference-between-term-and-universal-life-insurance\/#What_is_the_difference_between_term_and_universal_life_insurance\" title=\"What is the difference between term and universal life insurance?\">What is the difference between term and universal life insurance?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/namso-gen.co\/blog\/what-is-the-difference-between-term-and-universal-life-insurance\/#FAQs_on_Term_and_Universal_Life_Insurance\" title=\"FAQs on Term and Universal Life Insurance:\">FAQs on Term and Universal Life Insurance:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/namso-gen.co\/blog\/what-is-the-difference-between-term-and-universal-life-insurance\/#1_Is_term_life_insurance_cheaper_than_universal_life_insurance\" title=\"1. Is term life insurance cheaper than universal life insurance?\">1. Is term life insurance cheaper than universal life insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/namso-gen.co\/blog\/what-is-the-difference-between-term-and-universal-life-insurance\/#2_Can_the_coverage_of_a_term_life_insurance_policy_be_extended_beyond_the_original_term\" title=\"2. Can the coverage of a term life insurance policy be extended beyond the original term?\">2. Can the coverage of a term life insurance policy be extended beyond the original term?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/namso-gen.co\/blog\/what-is-the-difference-between-term-and-universal-life-insurance\/#3_How_does_universal_life_insurance_differ_from_whole_life_insurance\" title=\"3. How does universal life insurance differ from whole life insurance?\">3. How does universal life insurance differ from whole life insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/namso-gen.co\/blog\/what-is-the-difference-between-term-and-universal-life-insurance\/#4_Does_term_life_insurance_have_a_cash_value_component\" title=\"4. Does term life insurance have a cash value component?\">4. Does term life insurance have a cash value component?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/namso-gen.co\/blog\/what-is-the-difference-between-term-and-universal-life-insurance\/#5_Can_the_cash_value_of_a_universal_life_insurance_policy_be_used_while_the_policyholder_is_still_alive\" title=\"5. Can the cash value of a universal life insurance policy be used while the policyholder is still alive?\">5. Can the cash value of a universal life insurance policy be used while the policyholder is still alive?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/namso-gen.co\/blog\/what-is-the-difference-between-term-and-universal-life-insurance\/#6_Are_premiums_for_universal_life_insurance_policies_fixed_throughout_the_policys_term\" title=\"6. Are premiums for universal life insurance policies fixed throughout the policy&#8217;s term?\">6. Are premiums for universal life insurance policies fixed throughout the policy&#8217;s term?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/namso-gen.co\/blog\/what-is-the-difference-between-term-and-universal-life-insurance\/#7_Can_the_death_benefit_of_a_universal_life_insurance_policy_be_increased_or_decreased\" title=\"7. Can the death benefit of a universal life insurance policy be increased or decreased?\">7. Can the death benefit of a universal life insurance policy be increased or decreased?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/namso-gen.co\/blog\/what-is-the-difference-between-term-and-universal-life-insurance\/#8_Are_there_investment_options_available_within_universal_life_insurance_policies\" title=\"8. Are there investment options available within universal life insurance policies?\">8. Are there investment options available within universal life insurance policies?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/namso-gen.co\/blog\/what-is-the-difference-between-term-and-universal-life-insurance\/#9_Does_universal_life_insurance_provide_coverage_for_the_policyholders_entire_life\" title=\"9. Does universal life insurance provide coverage for the policyholder&#8217;s entire life?\">9. Does universal life insurance provide coverage for the policyholder&#8217;s entire life?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/namso-gen.co\/blog\/what-is-the-difference-between-term-and-universal-life-insurance\/#10_Can_term_life_insurance_policies_be_converted_into_universal_life_insurance_policies\" title=\"10. Can term life insurance policies be converted into universal life insurance policies?\">10. Can term life insurance policies be converted into universal life insurance policies?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/namso-gen.co\/blog\/what-is-the-difference-between-term-and-universal-life-insurance\/#11_Are_there_age_restrictions_for_purchasing_term_or_universal_life_insurance\" title=\"11. Are there age restrictions for purchasing term or universal life insurance?\">11. Are there age restrictions for purchasing term or universal life insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/namso-gen.co\/blog\/what-is-the-difference-between-term-and-universal-life-insurance\/#12_Can_the_death_benefit_of_a_term_life_insurance_policy_be_borrowed_against\" title=\"12. Can the death benefit of a term life insurance policy be borrowed against?\">12. Can the death benefit of a term life insurance policy be borrowed against?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_is_the_difference_between_term_and_universal_life_insurance\"><\/span><strong>What is the difference between term and universal life insurance?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Term Life Insurance:<\/strong> Term life insurance is a type of life insurance that provides coverage for a specific period, typically 10, 20, or 30 years. It offers a death benefit to beneficiaries if the policyholder passes away during the term of the policy. Term life insurance does not build cash value and is generally more affordable than permanent life insurance.<\/p>\n<p><strong>Universal Life Insurance:<\/strong> Universal life insurance is a form of permanent life insurance that offers more flexibility and potential for cash value accumulation. It provides a death benefit for the policyholder&#8217;s entire life as long as premiums are paid. Universal life insurance also allows policyholders to adjust their premiums and death benefits over time.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"FAQs_on_Term_and_Universal_Life_Insurance\"><\/span>FAQs on Term and Universal Life Insurance:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h3><span class=\"ez-toc-section\" id=\"1_Is_term_life_insurance_cheaper_than_universal_life_insurance\"><\/span>1. Is term life insurance cheaper than universal life insurance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, term life insurance is typically more affordable than universal life insurance because it provides coverage for a specific period without building cash value.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Can_the_coverage_of_a_term_life_insurance_policy_be_extended_beyond_the_original_term\"><\/span>2. Can the coverage of a term life insurance policy be extended beyond the original term?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIn most cases, term life insurance policies can be renewed or converted to permanent life insurance, but the premiums may increase significantly.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_How_does_universal_life_insurance_differ_from_whole_life_insurance\"><\/span>3. How does universal life insurance differ from whole life insurance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nWhile whole life insurance provides a guaranteed death benefit and cash value accumulation, universal life insurance offers more flexibility in terms of premiums and death benefits.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Does_term_life_insurance_have_a_cash_value_component\"><\/span>4. Does term life insurance have a cash value component?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nNo, term life insurance does not have a cash value component. It is designed to provide pure death benefit protection for a specific period.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Can_the_cash_value_of_a_universal_life_insurance_policy_be_used_while_the_policyholder_is_still_alive\"><\/span>5. Can the cash value of a universal life insurance policy be used while the policyholder is still alive?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, the cash value of a universal life insurance policy can be accessed by the policyholder through policy loans or withdrawals while they are still alive.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_Are_premiums_for_universal_life_insurance_policies_fixed_throughout_the_policys_term\"><\/span>6. Are premiums for universal life insurance policies fixed throughout the policy&#8217;s term?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nPremiums for universal life insurance policies can be adjusted by the policyholder within certain limits, offering more flexibility compared to term life insurance.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_Can_the_death_benefit_of_a_universal_life_insurance_policy_be_increased_or_decreased\"><\/span>7. Can the death benefit of a universal life insurance policy be increased or decreased?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, the death benefit of a universal life insurance policy can be adjusted by the policyholder, making it a more customizable option compared to term life insurance.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_Are_there_investment_options_available_within_universal_life_insurance_policies\"><\/span>8. Are there investment options available within universal life insurance policies?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nSome universal life insurance policies offer investment options that allow policyholders to potentially grow their cash value through market-based returns.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"9_Does_universal_life_insurance_provide_coverage_for_the_policyholders_entire_life\"><\/span>9. Does universal life insurance provide coverage for the policyholder&#8217;s entire life?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, universal life insurance provides a death benefit for the policyholder&#8217;s entire life as long as premiums are paid.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"10_Can_term_life_insurance_policies_be_converted_into_universal_life_insurance_policies\"><\/span>10. Can term life insurance policies be converted into universal life insurance policies?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nSome term life insurance policies may offer the option to convert to a universal life insurance policy, but additional premiums may be required.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"11_Are_there_age_restrictions_for_purchasing_term_or_universal_life_insurance\"><\/span>11. Are there age restrictions for purchasing term or universal life insurance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nWhile the minimum age to purchase life insurance varies by provider, there are usually age restrictions for purchasing term or universal life insurance.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"12_Can_the_death_benefit_of_a_term_life_insurance_policy_be_borrowed_against\"><\/span>12. Can the death benefit of a term life insurance policy be borrowed against?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nNo, the death benefit of a term life insurance policy cannot be borrowed against as it does not have a cash value component like universal life insurance.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>When it comes to life insurance, there are several options available for individuals looking to protect their loved ones financially in the event of their passing. Two popular types of life insurance policies are term life insurance and universal life insurance. While both serve the purpose of providing a death benefit to beneficiaries, there are &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"What is the difference between term and universal life insurance?\" class=\"read-more button\" href=\"https:\/\/namso-gen.co\/blog\/what-is-the-difference-between-term-and-universal-life-insurance\/#more-169442\">Read more<span class=\"screen-reader-text\">What is the difference between term and universal life insurance?<\/span><\/a><\/p>\n","protected":false},"author":41,"featured_media":107420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[86279],"tags":[],"class_list":["post-169442","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-learn","no-featured-image-padding"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What is the difference between term and universal life insurance?<\/title>\n<meta name=\"description\" content=\"When it comes to life insurance, there are several options available for individuals looking to protect their loved ones financially in the event of their\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/namso-gen.co\/blog\/what-is-the-difference-between-term-and-universal-life-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What is the difference between term and universal life insurance?\" \/>\n<meta property=\"og:description\" content=\"When it comes to life insurance, there are several options available for individuals looking to protect their loved ones financially in the event of their\" \/>\n<meta property=\"og:url\" content=\"https:\/\/namso-gen.co\/blog\/what-is-the-difference-between-term-and-universal-life-insurance\/\" \/>\n<meta property=\"og:site_name\" content=\"Namso Gen Blog - 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