United Of Omaha Universal Life Insurance Reviews

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My husband has had a universal life policy with United of Omaha for over 20 years. We have paid $840 every 6 months. Never missed a payment or paid late. Today I received the 6 month bill. It is $1,940.34! I called and was informed that there is no cash value in the policy because over time costs for maintaining the policy have increased. Does this mean the insurance guy started taking a higher cut? What is there to maintain? My husband...
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