These contracts have limitations and restrictions, including withdrawal charges and possible excess interest adjustments. (jackson.com)
With the premium level fixed, any additional or excess interest credited, or better life insurance experience, will improve the cash value of the policy. (dfs.ny.gov)
If you're not pleased with the universal life policy, you can always try out the fixed premium versions, referred to as excess interest whole life. (secureseniorlifeinsurance.com)