The Other Sure Thing Though we don’t like to think about it, all of us will make an exit sometime. Are you prepared? Share | Have A Question About This Topic? Name Email Address Question Thank you! Oops! Related Contents Surprises Making the most of surprises is a great reason to work with us. Universal Life Insurance Universal life insurance is permanent insurance with a flexible premium. Here's how it works. Long-Term-Care Protection Strategies The chances of needing long-term care, its cost, and strategies for covering that cost.