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Glosary of Life Insurance Terms

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See United States Government Life Insurance.
Ultimate Mortality Table
A mortality table based on mortality experience from which the first few policy years after issue (usually five) have been excluded to eliminate the effect of possible adverse selection.
Uniform Premium
A rating system that is used to calculate premiums for all insureds with no distinctions as to age, sex or occupation.
Uniform Provisions
A set of provisions required by state law in Life Insurance policies. The actual wording of the provisions can vary, but the intent must be the same as the wording of the uniform provisions.
United States Government Life Insurance (USGLI)
A form of Life Insurance issued to members of the armed forces during World War I until about the end of World War II.
Universal Life
A combination flexible premium, adjustable life insurance policy. The premium payer may select the amount of premium he or she can pay and the policy benefits are those which the premium will purchase. Or, the premium payer may change the amount of insurance and pay premium accordingly. Many believe this is the only true solution to the "buy term invest the difference" problem.
Unscheduled Premium Payments
In Universal Life insurance, the policyowner can pay extra premiums in addition to the scheduled premium payment amount. These payments can be made at any time, but are subject to a minimum amount.

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