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About Adjustable Life Insurance

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Part of the video series: Insurance Information

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Summary: Adjustable life insurance allows the insured the flexibility of changing coverage and premium amounts at any time. Discover how adjustable life insurance is a great option during tough economic times with information from an insurance broker in this free video on insurance.

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By John Pinelli
eHow Presenter

John Pinelli is an insurance representative for Northwestern Mutual.read more

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"This is John Pinelli, financial representative. Adjustable life insurance is basically like a universal life insurance which offers you a flexible death benefit and offers you also, flexibility in the premiums that you pay. So you may have a small amount of coverage and you are having another child and want to increase that amount of coverage, so a universal life insurance policy may make sense to you, give you that flexibility of paying higher premiums when you want more coverage or lower premiums when you want less coverage. Also this can be good in poor financial times. You may have a great deal of coverage that you'd want to scale back on a little bit, whereas with other plans such as whole life, you may not be able to do so quite so easily. With the universal or adjustable type of life insurance plans, it's very easy to do so within a certain range. You can't be multiplying your insurance coverage by ten times or reducing it really by, by that much either. It's, it's within kind of a feasible range that you that you have to adjust this this amount of coverage in the premiums that you will pay. So this has been John Pinelli, financial representative, talking to you about adjustable life insurance."

eHow Article: About Adjustable Life Insurance