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à versement libre = there is no minimum payment you have to make monthly, but a minimum amount has to be paid over a certain period of time
Many people do not understand universal life insurance premiums, but when you have all the information explained in detail it is not as complicated as it seems. One of the differences with universal life insurance premiums, is that there is no minimum payment that needs to be made on a rigid payment schedule. Instead, a minimum amount that covers the costs of the insurance policy need to be paid into the universal life insurance policy at your discretion. As long as the minimum is met, your policy will remain valid and will not lapse.