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
The Missing Piece in Self-Help? Why This Book is Changing the Wellness Game

Self-help shelves are full of advice — some of it helpful, some of it recycled, and most of it focused on “mindset.” But Rebecca Kase, LCSW and founder of the Trauma Therapist Institute, is offering something different: a science-backed, body-first approach that explains why so many people feel struck, overwhelmed, or burned out — and what they can actually do about it.
A seasoned therapist and business leader, Kase has spent nearly two decades teaching others how to navigate life through the lens of the nervous system. Her newest book, “The Polyvagal Solution,” set to release in May 2025, aims to shake up the wellness space by shifting the focus away from willpower and onto biology. If success has felt out of reach — or if healing has always seemed like a vague concept — this book may be the missing link.
A new way to understand stress and healing
At the heart of Kase’s approach is polyvagal theory, a neuroscience-based framework that helps explain how our bodies respond to safety and threat. Developed by Dr. Stephen Porges, polyvagal theory has transformed the way many therapists understand trauma, but Kase is bringing this knowledge to a much wider audience.
“The body always tells the truth,” Kase says. “If you’re anxious, exhausted, or always in overdrive, your nervous system is asking for support, not more discipline.”
“The Polyvagal Solution” makes this complex theory digestible and actionable. Instead of promising quick fixes, Kase offers strategies for regulating the nervous system over time, including breathwork, movement, boundaries, and daily practices that better align with how the human body functions. It’s less about pushing through discomfort and more about learning to tune in to what the body needs.
From clinical expertise to business insight
What sets Kase apart isn’t just her deep understanding of trauma but how she blends that knowledge with real-world experience as a business owner and leader. As the founder of the Trauma Therapist Institute, she scaled her work into a thriving company, all while staying rooted in the values she teaches.
Kase has coached therapists, executives, and entrepreneurs who struggle with burnout, anxiety, or feeling disconnected from their work. Regardless of who she works with, though, her message remains consistent: the problem isn’t always mindset — it’s often regulation.
“Success that drains you isn’t success. It’s survival mode in disguise,” Kase explains. Her coaching programs go beyond traditional leadership training by teaching high achievers how to calm their nervous systems, enabling them to lead from a grounded place, not just grit.
Making the science personal
For all her clinical knowledge, Kase keeps things human. Her work doesn’t sound like a lecture but rather like a conversation with someone who gets it. That’s because she’s been through it herself: the long hours as a therapist, the emotional toll of supporting others, the realities of building a business while managing her own well-being.
That lived experience informs everything she does. Whether she’s speaking on stage, running a retreat, or sharing an anecdote on her podcast, Kase has a way of weaving humor and honesty into even the heaviest topics. Her ability to balance evidence-based practice with practical advice is part of what makes her voice so compelling.
Kase’s previous book, “Polyvagal-Informed EMDR,” earned respect from clinicians across the country. But “The Polyvagal Solution” reaches beyond the therapy community to anyone ready to understand how their body is shaping their behavior and how to create real, sustainable change.
Why this message matters
We’re in a moment where burnout is common and overwhelm feels normal. People are looking for answers, but many of the tools out there don’t address the deeper cause of those feelings.
That’s where Kase’s work lands differently. Instead of telling people to “think positive” or “try harder,” she teaches them how to regulate their own biology. And in doing so, she opens the door for deeper connection, better decision-making, and more energy for the things that matter.
As more workplaces begin to embrace trauma-informed leadership, more individuals are seeking solutions that go beyond talk therapy and motivational content. Kase meets that need with clarity, compassion, and a toolkit rooted in both science and humanity.
A grounded approach to lasting change
What makes “The Polyvagal Solution” stand out is its realism. It doesn’t ask readers to overhaul their lives but instead asks them to listen — to pay attention to how their bodies feel, how their stress patterns manifest, and how even small shifts in awareness can lead to significant results over time. Whether you’re a therapist, a team leader, or someone trying to feel more at ease in your own skin, this book offers a way forward that feels both grounded and achievable.
Rebecca Kase isn’t just adding another title to the self-help genre. She’s redefining it by reminding us that we don’t have to muscle our way through life. We just have to learn how to work with, not against, ourselves.
And maybe that’s the real game-changer we’ve been waiting for.
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