The length of time that marijuana stays in your system is highly variable, and depends on factors including the THC potency in the weed you consume. Most people donât realize that if they use weed with a higher THC level, it will stay in their bodies for a longer period of time. Think about it using this analogy to alcohol: if you consume stronger drinks, you stay drunk longer. One strong beer at 10% ABV is equivalent to 3 light beers at 3.3% ABV.
With a universal life policy, you can pick the starting premium and later increase or decrease the amount you pay. The minimum premium amount should be enough to cover the admin and insurance charges, almost like buying term life insurance.
This is a great question. In fact, because of how complex indexed universal life policies can be, I've even heard this question asked by other advisors. If I may, I'd like to give my true and honest assessment of indexed universal life policies. Indexed Universal life (IULs) are a type of universal life policy. The universal portion means that premiums are flexible and the components of the life insurance policy (death benefit, savings element and premium) can be altered throughout the contract.