Universal Life Contracts with Raising Rates

Discussion in 'Life Insurance Forum' started by Encrypted0502, Oct 30, 2016.

  1. Encrypted0502
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    How does everyone see the raising rates in the future affecting recently sold Universal Life products? I've been thinking about using ON V-Pro UL. What I wasn't sure about was with raising rates- will in force contracts receive higher rates as well in the future?

    The contract guarantees 2.5%. The illustrated current values with 3.55% years 1-10 and 4.3% in Yrs 11+ show a pretty healthy contract.

    Am I missing something as this may be a good contract with raising rates?
     
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