She Thought Has Was Fully Insured... The Rising Cost of Insurance Over Time Proved Otherwise
Most Universal Insurance policyholders never realize how flexible premiums affect their policies — until they learn how the rising cost of insurance reduces their cash value. My Policy Advocate™ helps you understand your coverage before you need it.
Susan Garcia's Lapsed Policy*
Susan Garcia took out a $500,000 Universal Life policy, attracted by the "flexible premiums". After a job change, her agent assured her she only needed to pay the minimum. Five years later, while recovering from a cancer diagnosis, Susan missed two consecutive payments. She received a “Policy Lapsed “letter. Her cash value had quietly evaporated, consumed by the rising internal “cost of insurance” as she aged.
Potential Denial (The Gap):
The flexible premium hid a slow drain; only a full illustration, not the annual statement, would have warned of an impending lapse.
Risk Identified by My Policy Advocate:
Flexible Premium Lapse—Minimum payment doesn’t guarantee continuity as costs rise.
Policy Language:
“The minimum premium is not guaranteed… If the cash surrender value is not sufficient… policy will enter a 61-day grace period, after which it may terminate.”
Discovery by Clara, our Ai Assistant:
Clara analyzes the policy’s cost of insurance schedule and the current cash value to project potential lapse points, especially when only minimum premiums are paid.
Questions to Ask Your Agent:
- Can I get a full illustration each year?
- Will this payment keep my coverage active to age 100, or will it lapse if I pay only the minimum?
* This scenario described is fictious and is solely for illustrative or educational purposes so the insured has the opportunity to discuss these issues with their licensed insurance producer.
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For Educational Purposes Only: My Policy Advocate is an educational platform, not a licensed insurance agent, broker, or financial advisor. We do not sell insurance or provide legal, financial, or tax advice. Our goal is to help you understand your existing policies.
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