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
When Seasons Shift: Dr. Leeshe Grimes on Grief, Loneliness, and Finding Light Again
Some emotional storms arrive without warning. A sudden change in weather, a holiday approaching, or even a bright sunny day can stir feelings that don’t match the world outside. For many people, the hardest seasons are not defined by temperature; they are defined by what’s happening inside, where grief and loneliness often move quietly.
This is the emotional terrain where Dr. Leeshe Grimes has spent her career doing some of her most meaningful work. As a psychotherapist, registered play therapist, retired U.S. Army combat veteran, and founder of Elevated Minds in the DMV area, she understands how deeply seasonal shifts and unresolved grief can affect people. Her upcoming books explore this very space, guiding readers through the emotional weight that can appear during different times of the year.
What sets Dr. Grimes apart is her ability to see clearly what many people overlook. Seasonal depression, for example, is usually tied to winter months. But she often sees it appear during warm, bright seasons, the times when the world seems happiest. For someone already grieving or feeling disconnected, watching others travel, celebrate, or gather can create its own kind of heaviness. Sunshine doesn’t always lift the mood; sometimes it highlights what feels missing.
The same misunderstanding surrounds grief. Society often treats it as a short-term experience with predictable phases and a clean ending. But in her practice, Dr. Grimes sees how grief keeps evolving. It doesn’t disappear on a timeline. It weaves itself into routines, memories, and milestones. People learn to carry it differently, but they rarely leave it behind completely. And that’s not failure, it’s human.
Her approach to mental health centers on truth rather than pressure. She encourages clients to acknowledge the emotions they try to hide: sadness that lingers longer than expected, moments of joy that feel out of place, and the waves of loneliness that return even when life seems stable. Instead of pushing for quick recovery, she focuses on helping people understand how emotions shift and how to care for themselves through those changes.
Much of her insight comes from her military years, where she witnessed the emotional toll of loss, transition, and constant survival. She saw how people continued functioning while carrying pain that had nowhere to go. That experience shaped her belief that healing requires space, space to feel, to speak, and to move through emotions without judgment.
In her clinical work today at Elevated Minds, she encourages people to build small, steady habits that anchor them during difficult seasons. Journaling helps them recognize patterns and name what feels heavy. Community support breaks the cycle of isolation. Therapy creates a place where emotions don’t have to be minimized or explained away. And intentional routines, daily sunlight, mindful breaks, and calm evenings help rebuild emotional balance.
Her upcoming books expand on these ideas, offering practical guidance for navigating both grief and seasonal depression. She focuses on helping readers understand that healing is not about escaping pain. It’s about learning how to live with it in a healthier way, honoring memories, acknowledging loneliness, and still allowing room for moments of light.
What makes Dr. Leeshe Grimes a compelling voice in mental health is her ability to bring language to experiences that many struggle to explain. She reminds people that emotional seasons don’t always match the weather and that there is no single path through grief. But within those shifts, she believes there is always a way forward.
The seasons will continue to change. And with the right tools, compassion, and support, people can change with them, finding steadiness, softness, and light again, one step at a time.
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