Lifestyle
Who Should Consider Buying a Universal Life Insurance Policy?
Universal life insurance is a type of permanent life insurance policy. That means it covers you for life and comes with a cash value growth component. Once you build enough cash value, you can withdraw from or borrow against it. You also receive the full value minus surrender charges if you surrender the policy. Universal life insurance also lets you increase your death benefit or decrease your premiums, providing you with more flexibility.
All these features make universal life insurance a good potential investment for many types of people. With that in mind, this article will cover several circumstances where getting a universal life insurance policy can be helpful.
1. Those who need lifelong coverage
Universal life insurance offers lifelong coverage as long as you stay current on your premium payments. That means, unlike with term life insurance, you don’t need to worry about your policy expiring.
Another benefit to lifelong coverage is that you can lock in your premiums for the rest of your life. Life insurance premiums rise with age, but once you buy life insurance, your premiums remain fixed unless you adjust them within your policy.
2. Parents with multiple children
Raising a child can cost an average of almost $13,000 per year. Plus, parents may have to save money for each child’s college education. This can make it challenging for one parent to raise multiple children if their partner passes away — even if both partners earn incomes.
Universal life insurance can help alleviate these worries. If you pass away, your partner will receive a substantial death benefit to replace your income, pay off debts, and set aside money for the future.
Thanks to the cash value, universal life insurance can also help you raise your children even if you don’t pass away. Over time, your cash value may grow quite large. You can withdraw from or borrow against it at favorable terms and low rates. This offers you the funds to pay for family expenses and potentially cover your children’s college educations. Finally, if you ever need to change coverage to save money on premiums or up your death benefit, universal life insurance lets you do that.
3. Those who want to build wealth
A universal life insurance policy’s cash value can offer a source of wealth for policyholders. As mentioned, you can withdraw from it when it grows large enough, although you must be aware of any tax consequences. Y ou can also borrow against it at low rates. However, you must make sure the loan balance doesn’t grow larger than the cash value, or the policy could lapse. Finally, if you decide you no longer need life insurance and surrender the policy, you can receive all of your cash value minus surrender charges.
In any case, this cash value can offer a significant source of wealth when used wisely. You could use the proceeds to refinance or pay off debt, supplement your retirement funds, make large purchases, travel, and more.
The bottom line
Universal life insurance can fit many people’s needs. It offers lifelong coverage, which allows you to get a policy early and lock in premiums without worrying about coverage expiring.
Families with many children can find it useful as well. You can rest assured that your partner and children will be protected if you pass away. Plus, you can use the cash value to help cover childcare costs and future expenses, like education.
Finally, anyone who wants to build wealth could find universal life insurance helpful. You can withdraw or borrow from the cash value to travel, pay off debt, boost your retirement funds, and more. So, consider looking for universal life insurance if any of these describe your situation and financial needs.
Lifestyle
Confronting Propaganda: Street Smart Documents Honest Reactions to Gaza Indoctrination Footage
Byline: Michelle Langton
In a recent project, the Street Smart team gathered 20 strangers and presented them with propaganda footage from Gaza that has circulated widely online but remains largely unfamiliar to many audiences. The aim wasn’t to provoke outrage or test media literacy in a classroom setting. It was to capture raw, unfiltered emotional reactions to material that reveals how narratives are formed at the source. The resulting video offers a candid look at how people process shocking content and how their perceptions shift when they see what is rarely shown on mainstream platforms.
The Structure of the Experiment
The format was simple. Participants were seated and shown a series of clips from Gaza, including children’s programming and broadcasts containing intense ideological messaging. No background information was provided, and viewers were not instructed on how to interpret what they were seeing. After watching, they were asked for immediate reactions.
The footage elicited a wide range of emotions. Some viewers were stunned by the content, admitting they had never seen anything like it before. Others expressed disbelief, questioning why this kind of material isn’t more widely discussed. A few were visibly shaken, saying the experience fundamentally altered their understanding of the situation.
By presenting the footage without narration or added commentary, Street Smart allowed participants’ genuine responses to emerge. The experiment revealed how propaganda can affect an entire generation. It can shock, unsettle, and force people to reconsider their assumptions.
Why This Project Matters
Sage Fox and Dorani aligned the purpose of this experiment with Street Smart’s broader mission of challenging prevailing narratives and encouraging critical thought among younger audiences. In an environment where footage spreads rapidly across digital platforms, propaganda can shape public opinion long before context catches up.
By showing the Gaza Indoctrination footage in a controlled setting and recording uncoached responses, the team aimed to expose the emotional and cognitive impact of this type of content.
“The first reaction is often the most revealing, because it shows how powerful images can be without context.”
The Range of Reactions
While each participant brought their own perspective, several themes emerged. Some expressed sympathy with the imagery itself, saying it was emotionally powerful.
One participant said, “It makes me question what I see online every day. How much of it is shaped this way?”
Their comments highlight how propaganda resonates differently depending on prior knowledge and exposure. Many viewers have simply never encountered such footage directly.
Street Smart’s Approach
This project continues a pattern established by Sage Fox & Dorani’s earlier videos. Rather than relying on experts or lengthy analysis, Street Smart focuses on real people and their honest reactions. The approach is simple but effective. Present potent material, listen to what people say, and share those moments with a wider audience.
The Gaza Indoctrination footage experiment fits this model. It doesn’t attempt to draw final conclusions or offer political commentary. Instead, it documents how people respond when they’re exposed to narratives that are usually filtered through intermediaries.
Implications for Media Literacy
Beyond its viral potential, the video raises broader questions about how people interact with powerful imagery online. Propaganda operates on emotional reflexes. As this experiment shows, those reflexes are often unexamined until they’re brought to the surface.
Sage Fox & Dorani hope that projects like this push audiences to think more critically about what they see and share.
“The purpose is not to tell people what to believe. It is to remind them that every image comes from somewhere, and that source matters,” they said.
Next Steps for Street Smart
As Street Smart’s platform grows, Sage Fox & Dorani plan to conduct similar experiments in different contexts. They intend to use their direct, street-level approach to highlight how people react when presented with challenging material.
The Gaza footage project is one piece of a larger mission. The team uses simple methods to shed light on complex issues. By focusing on authentic reactions, they continue to build a unique space in online media that blends cultural investigation with raw human response.
A Window into Unfiltered Thought
“We showed 20 strangers real propaganda footage from Gaza — and filmed their unfiltered reactions” is not a dramatic exposé or academic study. It is a clear, unmediated record of how individuals respond when confronted with material designed to persuade. In that restraint lies its strength.
By documenting these moments, Street Smart shows how awareness can begin with a pause. A brief space between seeing and believing.
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