Protective Best for whole life insurance: MassMutual Best for universal life insurance: Pacific Life Best for long-term care insurance: Nationwide Best for smokers: Ethos Best for riders ...
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This gives policyholders a level of flexibility usually reserved for universal life insurance, allowing policyholders to adjust their premiums if they're facing a period of financial hardship.
Pacific Life has both indexed and variable universal life insurance policies that build cash value early and can supplement retirement income. Pacific Life doesn't set maximum coverage limits ...