If your account can’t cover the monthly cost of insurance and fees, you’ll need to pay more into the policy, or it can lapse. There’s usually a grace period, and the insurer will let you know before that happens. Regular reviews, especially with a yearly increasing cost, help you spot a shortfall early.
What happens if my universal life insurance account runs low?
Reviewed by Garrett Agencies Ltd., October 2026. How we write
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More about universal life insurance
Permanent life insurance with flexible premiums and an investment account inside the policy.
More questions about universal life insurance
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