UL Review

1. If you overfund a UL, it will become a _____.
8. These figures account for the maximum cost of insurance and the maximum expense charges.
9. This rider on the Accumulator allows the insured to add a term for X amount of years.
10. This rider is on the Accumulator and works like the disability waiver of premium.
15. Surrender charges apply for this many years.
17. This is the most you should put in every year. Take this and divide by 12. If you put in more than that each month, it will become a MEC.
19. This rider allows the insured to use up to 50% of their death benefit while they're still living if they've been diagnosed terminally ill.
20. This death benefit on the Accumulator makes it so your death benefit is higher each year; this makes for a much higher premium.
22. AAA offers this many fixed UL products.
23. This death benefit on the Accumulator makes it so your death benefit stays the same for the life of the policy.

2. This rider is offered on both UL products and offers more face amount if you die of something other than a natural cause.
3. This is an attractive feature of UL; it grows cash value and nothing is taken by Uncle Sam.
4. This is a well-loved feature of the UL and makes it so I can change or skip my premium without having to call AAA.
5. UL policies are payable to this age.
6. On a UL, a policy can be reinstated for up to this many years.
7. The UL, like Whole life, is a _____ policy.
11. This rider is offered only on the Accumulator; it allows the insured to buy more insurance every 3 years without having to do a medical exam(beginning at 22, up to 40).
12. This rider is offered on both UL products and insures your kids' insurability, allowing them to convert it to their own policy.
13. A MEC isn't the end of the world. It simply means that now, the money is _____.
14. On the Accumulator, loans are charged this rate (before the credit).
16. These figures account for the current cost of insurance; these are the figures we present in the illustration.
18. The death benefit will _____ by a policy loan.
21. This percent is our current rate on the UL.