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	<title>Universal Life Insurance</title>
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	<link>http://universallifehealthinsurance.com</link>
	<description>Protect Your Life With Us</description>
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		<title>Save Money on Car Insurance with a Lump Sum Payment</title>
		<link>http://universallifehealthinsurance.com/insurance-advice/save-money-on-car-insurance-with-a-lump-sum-payment</link>
		<comments>http://universallifehealthinsurance.com/insurance-advice/save-money-on-car-insurance-with-a-lump-sum-payment#comments</comments>
		<pubDate>Sun, 29 Jan 2012 10:16:51 +0000</pubDate>
		<dc:creator>Jessica Sanchez</dc:creator>
				<category><![CDATA[Insurance Advice]]></category>
		<category><![CDATA[Lump Sum]]></category>
		<category><![CDATA[Lump Sum Payment]]></category>
		<category><![CDATA[Payment]]></category>
		<category><![CDATA[Sum Payment]]></category>

		<guid isPermaLink="false">http://universallifehealthinsurance.com/insurance-advice/save-money-on-car-insurance-with-a-lump-sum-payment</guid>
		<description><![CDATA[When you purchase a car insurance policy, you are given the option of paying one lump sum payment for your insurance coverage or paying monthly payments. Many people decide that they will pay their auto insurance premiums in monthly installments. However, this can be a costly mistake to make each month. On average, people could [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Should Financial Ratings Drive My Decison About Life Insurance Companies?</title>
		<link>http://universallifehealthinsurance.com/insurance-advice/should-financial-ratings-drive-my-decison-about-life-insurance-companies</link>
		<comments>http://universallifehealthinsurance.com/insurance-advice/should-financial-ratings-drive-my-decison-about-life-insurance-companies#comments</comments>
		<pubDate>Mon, 23 Jan 2012 17:31:21 +0000</pubDate>
		<dc:creator>Jessica Sanchez</dc:creator>
				<category><![CDATA[Insurance Advice]]></category>
		<category><![CDATA[Life]]></category>
		<category><![CDATA[Life Insurance]]></category>

		<guid isPermaLink="false">http://universallifehealthinsurance.com/insurance-advice/should-financial-ratings-drive-my-decison-about-life-insurance-companies</guid>
		<description><![CDATA[I had emailed some quotes off to a client this week with Genworth Life and Annuity, a major player in no lapse guarantee ULs and in this case the best rate class offer I had received when shopping the case. She went on line and found out that Genworth has been downgraded recently to A [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Whole Life Insurance: Lock in Coverage for Life</title>
		<link>http://universallifehealthinsurance.com/insurance-news/whole-life-insurance-lock-in-coverage-for-life</link>
		<comments>http://universallifehealthinsurance.com/insurance-news/whole-life-insurance-lock-in-coverage-for-life#comments</comments>
		<pubDate>Sun, 22 Jan 2012 18:46:46 +0000</pubDate>
		<dc:creator>Thomas Lee</dc:creator>
				<category><![CDATA[Insurance News]]></category>
		<category><![CDATA[Life]]></category>
		<category><![CDATA[Life Insurance]]></category>

		<guid isPermaLink="false">http://universallifehealthinsurance.com/insurance-news/whole-life-insurance-lock-in-coverage-for-life</guid>
		<description><![CDATA[Choosing life insurance for yourself and your family is one of the most important long-term financial decisions you will make. Although many options currently exist, the reality is that navigating the world of life insurance is not as daunting as some would have you believe. Rather than get bogged down by varying opinions on which [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>Life Insurance Execs See Opportunity in 2012</title>
		<link>http://universallifehealthinsurance.com/insurance-health-articles/life-insurance-execs-see-opportunity-in-2012</link>
		<comments>http://universallifehealthinsurance.com/insurance-health-articles/life-insurance-execs-see-opportunity-in-2012#comments</comments>
		<pubDate>Tue, 17 Jan 2012 05:05:31 +0000</pubDate>
		<dc:creator>Jessica Sanchez</dc:creator>
				<category><![CDATA[Insurance Health Articles]]></category>
		<category><![CDATA[2012]]></category>
		<category><![CDATA[Life Insurance]]></category>

		<guid isPermaLink="false">http://universallifehealthinsurance.com/insurance-health-articles/life-insurance-execs-see-opportunity-in-2012</guid>
		<description><![CDATA[There are several challenges facing the life insurance industry in 2012, but executives also see opportunities they plan on taking advantage of according to the press release found on MarketWatch.com.  LOMA completed interviews of top executives in the life insurance industry about their predictions on sales, distribution, technology advances, regulation, and social media for the [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Slam dunk champ Griffin inks multi-year deal with Kia</title>
		<link>http://universallifehealthinsurance.com/insurance-advice/slam-dunk-champ-griffin-inks-multi-year-deal-with-kia</link>
		<comments>http://universallifehealthinsurance.com/insurance-advice/slam-dunk-champ-griffin-inks-multi-year-deal-with-kia#comments</comments>
		<pubDate>Sun, 15 Jan 2012 19:42:47 +0000</pubDate>
		<dc:creator>Jessica Sanchez</dc:creator>
				<category><![CDATA[Insurance Advice]]></category>
		<category><![CDATA[Kia]]></category>
		<category><![CDATA[Slam Dunk]]></category>

		<guid isPermaLink="false">http://universallifehealthinsurance.com/insurance-advice/slam-dunk-champ-griffin-inks-multi-year-deal-with-kia</guid>
		<description><![CDATA[Ever since Los Angeles Clippers forward Blake Griffin soared over a Kia Optima at the 2011 Slam Dunk Contest, the carmaker has seen a dramatic increase in the number of consumers buying cars. Read all post&#8230;]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Blow-out in health insurance gap fees</title>
		<link>http://universallifehealthinsurance.com/insurance-news/blow-out-in-health-insurance-gap-fees</link>
		<comments>http://universallifehealthinsurance.com/insurance-news/blow-out-in-health-insurance-gap-fees#comments</comments>
		<pubDate>Thu, 05 Jan 2012 18:33:17 +0000</pubDate>
		<dc:creator>Thomas Lee</dc:creator>
				<category><![CDATA[Insurance News]]></category>
		<category><![CDATA[Fees]]></category>
		<category><![CDATA[Gap Fees]]></category>

		<guid isPermaLink="false">http://universallifehealthinsurance.com/insurance-news/blow-out-in-health-insurance-gap-fees</guid>
		<description><![CDATA[Australian private health insurers have been permitted to provide gap cover since mid-2000. Some 89 per cent of medical treatment in hospitals is now provided without patients having to pay gap fees, compared with 65 per cent in 2000. Nevertheless, the Private health insurance Administrative Council has noted that many medical practitioners still impose gap [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Food for Thought for International Travelers</title>
		<link>http://universallifehealthinsurance.com/insurance-advice/food-for-thought-for-international-travelers</link>
		<comments>http://universallifehealthinsurance.com/insurance-advice/food-for-thought-for-international-travelers#comments</comments>
		<pubDate>Thu, 05 Jan 2012 16:04:22 +0000</pubDate>
		<dc:creator>Jessica Sanchez</dc:creator>
				<category><![CDATA[Insurance Advice]]></category>

		<guid isPermaLink="false">http://universallifehealthinsurance.com/insurance-advice/food-for-thought-for-international-travelers</guid>
		<description><![CDATA[A new year has just begun, and those of us looking back at the past year might have a list of resolutions ready. An international traveler who habitually traveled without visitors’ health insurance might want to resolve to avoid skimping on travel insurance. A tourist who had a bad culinary experience may resolve to stick [...]]]></description>
		<wfw:commentRss>http://universallifehealthinsurance.com/insurance-advice/food-for-thought-for-international-travelers/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Complete Unsecured Loans Lenders</title>
		<link>http://universallifehealthinsurance.com/insurance-news/complete-unsecured-loans-lenders</link>
		<comments>http://universallifehealthinsurance.com/insurance-news/complete-unsecured-loans-lenders#comments</comments>
		<pubDate>Wed, 04 Jan 2012 01:29:54 +0000</pubDate>
		<dc:creator>Thomas Lee</dc:creator>
				<category><![CDATA[Insurance News]]></category>
		<category><![CDATA[Loans]]></category>
		<category><![CDATA[Loans Lenders]]></category>

		<guid isPermaLink="false">http://universallifehealthinsurance.com/insurance-news/complete-unsecured-loans-lenders</guid>
		<description><![CDATA[  Having online loans is not a new thing. We can find a lot of website offers for online loan options. But, not all of them can give you easy steps and quick cash, especially if you demand to make a great number loan like in Business Loans. Usually people need money for around $10,000 or [...]]]></description>
		<wfw:commentRss>http://universallifehealthinsurance.com/insurance-news/complete-unsecured-loans-lenders/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Skiing and Snowboarding for the Cost Conscious</title>
		<link>http://universallifehealthinsurance.com/insurance-health-articles/skiing-and-snowboarding-for-the-cost-conscious</link>
		<comments>http://universallifehealthinsurance.com/insurance-health-articles/skiing-and-snowboarding-for-the-cost-conscious#comments</comments>
		<pubDate>Sun, 01 Jan 2012 08:33:02 +0000</pubDate>
		<dc:creator>Jessica Sanchez</dc:creator>
				<category><![CDATA[Insurance Health Articles]]></category>
		<category><![CDATA[Skiing]]></category>
		<category><![CDATA[Skiing Snowboarding]]></category>

		<guid isPermaLink="false">http://universallifehealthinsurance.com/insurance-health-articles/skiing-and-snowboarding-for-the-cost-conscious</guid>
		<description><![CDATA[Taking a skiing or snowboarding holiday is seldom an inexpensive affair, and choosing to hit the slopes can, for many families, mean they are putting the vast majority of the annual holiday budget into one getaway. But if you take the time to carry out some research and planning, youll find that a fun packed [...]]]></description>
		<wfw:commentRss>http://universallifehealthinsurance.com/insurance-health-articles/skiing-and-snowboarding-for-the-cost-conscious/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Cell Phone Bans Not Doing Enough to Curb Accidents</title>
		<link>http://universallifehealthinsurance.com/insurance-advice/cell-phone-bans-not-doing-enough-to-curb-accidents</link>
		<comments>http://universallifehealthinsurance.com/insurance-advice/cell-phone-bans-not-doing-enough-to-curb-accidents#comments</comments>
		<pubDate>Sat, 31 Dec 2011 11:13:45 +0000</pubDate>
		<dc:creator>Jessica Sanchez</dc:creator>
				<category><![CDATA[Insurance Advice]]></category>
		<category><![CDATA[Cell Phone]]></category>
		<category><![CDATA[Phone]]></category>

		<guid isPermaLink="false">http://universallifehealthinsurance.com/insurance-advice/cell-phone-bans-not-doing-enough-to-curb-accidents</guid>
		<description><![CDATA[Most states have banned using cell phones while driving. As we all know, if a driver becomes distracted because they are talking on the phone then they are more likely to become involved in an automobile accident. A new study that was conducted by the Insurance Institute has found that these bans are not very [...]]]></description>
		<wfw:commentRss>http://universallifehealthinsurance.com/insurance-advice/cell-phone-bans-not-doing-enough-to-curb-accidents/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Chasing That Better Life Insurance Rate Class?</title>
		<link>http://universallifehealthinsurance.com/insurance-advice/chasing-that-better-life-insurance-rate-class</link>
		<comments>http://universallifehealthinsurance.com/insurance-advice/chasing-that-better-life-insurance-rate-class#comments</comments>
		<pubDate>Fri, 16 Dec 2011 02:27:07 +0000</pubDate>
		<dc:creator>Jessica Sanchez</dc:creator>
				<category><![CDATA[Insurance Advice]]></category>
		<category><![CDATA[Life]]></category>
		<category><![CDATA[Life Insurance]]></category>

		<guid isPermaLink="false">http://universallifehealthinsurance.com/insurance-advice/chasing-that-better-life-insurance-rate-class</guid>
		<description><![CDATA[I got an email from some clients a few days ago. In spite of their best efforts their small business had fallen off so badly a few years ago that the husband made the decision to let the life insurance they had in force lapse. Ive been staying in touch waiting for things to turn [...]]]></description>
		<wfw:commentRss>http://universallifehealthinsurance.com/insurance-advice/chasing-that-better-life-insurance-rate-class/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Purchase Car Insurance Online</title>
		<link>http://universallifehealthinsurance.com/insurance-advice/purchase-car-insurance-online</link>
		<comments>http://universallifehealthinsurance.com/insurance-advice/purchase-car-insurance-online#comments</comments>
		<pubDate>Sat, 10 Dec 2011 15:27:31 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Insurance Advice]]></category>
		<category><![CDATA[automobile insurance]]></category>

		<guid isPermaLink="false">http://universallifehealthinsurance.com/?p=472</guid>
		<description><![CDATA[If you’re always busy, then you probably never have the time to go out and shop around for car insurance. Most people who buy car insurance do so by visiting companies recommended by others rather than actually seeing which companies offer insurance that will benefit them the most. Now, it’s gotten a little simpler because [...]]]></description>
		<wfw:commentRss>http://universallifehealthinsurance.com/insurance-advice/purchase-car-insurance-online/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Finding Cheap Life Insurance without a Medical Exam</title>
		<link>http://universallifehealthinsurance.com/insurance-news/finding-cheap-life-insurance-without-a-medical-exam</link>
		<comments>http://universallifehealthinsurance.com/insurance-news/finding-cheap-life-insurance-without-a-medical-exam#comments</comments>
		<pubDate>Wed, 07 Dec 2011 10:03:10 +0000</pubDate>
		<dc:creator>Thomas Lee</dc:creator>
				<category><![CDATA[Insurance News]]></category>
		<category><![CDATA[Cheap Life Insurance]]></category>
		<category><![CDATA[Exam]]></category>
		<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[Medical Exam]]></category>

		<guid isPermaLink="false">http://universallifehealthinsurance.com/insurance-news/finding-cheap-life-insurance-without-a-medical-exam</guid>
		<description><![CDATA[ Email Article  Tweet         Many of our customers are surprised to learn that it is possible to find cheap life insurance without a medical exam. Though an exam is required to secure a medically underwritten life insurance policy, there are plenty of no exam life insurance policies available. At Efinancial we offer medically underwritten policies as well [...]]]></description>
		<wfw:commentRss>http://universallifehealthinsurance.com/insurance-news/finding-cheap-life-insurance-without-a-medical-exam/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>$4.7 million Aventador, the most expensive car model in the world</title>
		<link>http://universallifehealthinsurance.com/insurance-advice/4-7-million-aventador-the-most-expensive-car-model-in-the-world</link>
		<comments>http://universallifehealthinsurance.com/insurance-advice/4-7-million-aventador-the-most-expensive-car-model-in-the-world#comments</comments>
		<pubDate>Tue, 06 Dec 2011 11:40:20 +0000</pubDate>
		<dc:creator>Jessica Sanchez</dc:creator>
				<category><![CDATA[Insurance Advice]]></category>

		<guid isPermaLink="false">http://universallifehealthinsurance.com/insurance-advice/4-7-million-aventador-the-most-expensive-car-model-in-the-world</guid>
		<description><![CDATA[Lamborghini is one of the most recognizable and unaffordable vehicles on the market, yet nearly every auto enthusiast dreams of one day taking one out for a drive aimlessly on an empty road. Now, the automaker has created the most expensive and precious car model, according to Guinness World Records.The only problem is, its a [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>One Strike Not Out for Senior Visitors Insurance</title>
		<link>http://universallifehealthinsurance.com/insurance-advice/one-strike-not-out-for-senior-visitors-insurance</link>
		<comments>http://universallifehealthinsurance.com/insurance-advice/one-strike-not-out-for-senior-visitors-insurance#comments</comments>
		<pubDate>Sun, 27 Nov 2011 18:03:34 +0000</pubDate>
		<dc:creator>Jessica Sanchez</dc:creator>
				<category><![CDATA[Insurance Advice]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Visitors Insurance]]></category>

		<guid isPermaLink="false">http://universallifehealthinsurance.com/insurance-advice/one-strike-not-out-for-senior-visitors-insurance</guid>
		<description><![CDATA[When many US visitors who are seniors are asked about visitors insurance, their worry is simply that pre-existing conditions are generally not covered. However, there are a few things to consider before rejecting the idea totally. First, there are a few plans that offer limited coverage for pre-existing conditions. For example, there are plans that [...]]]></description>
		<wfw:commentRss>http://universallifehealthinsurance.com/insurance-advice/one-strike-not-out-for-senior-visitors-insurance/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Ways to protect yourself when driving this Thanksgiving</title>
		<link>http://universallifehealthinsurance.com/insurance-advice/ways-to-protect-yourself-when-driving-this-thanksgiving</link>
		<comments>http://universallifehealthinsurance.com/insurance-advice/ways-to-protect-yourself-when-driving-this-thanksgiving#comments</comments>
		<pubDate>Sat, 26 Nov 2011 16:03:17 +0000</pubDate>
		<dc:creator>Jessica Sanchez</dc:creator>
				<category><![CDATA[Insurance Advice]]></category>

		<guid isPermaLink="false">http://universallifehealthinsurance.com/insurance-advice/ways-to-protect-yourself-when-driving-this-thanksgiving</guid>
		<description><![CDATA[This week people will be celebrating Thanksgiving. It is important for people to be careful because many people travel for the holiday. It is important for people to take a few steps to prevent themselves from having to file an auto insurance claim. The first step is to give your vehicle a tune up before [...]]]></description>
		<wfw:commentRss>http://universallifehealthinsurance.com/insurance-advice/ways-to-protect-yourself-when-driving-this-thanksgiving/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Infinite Banking Isn’t Magic, But What If It Really Works?</title>
		<link>http://universallifehealthinsurance.com/insurance-advice/infinite-banking-isn%e2%80%99t-magic-but-what-if-it-really-works</link>
		<comments>http://universallifehealthinsurance.com/insurance-advice/infinite-banking-isn%e2%80%99t-magic-but-what-if-it-really-works#comments</comments>
		<pubDate>Fri, 18 Nov 2011 21:04:28 +0000</pubDate>
		<dc:creator>Jessica Sanchez</dc:creator>
				<category><![CDATA[Insurance Advice]]></category>

		<guid isPermaLink="false">http://universallifehealthinsurance.com/insurance-advice/infinite-banking-isn%e2%80%99t-magic-but-what-if-it-really-works</guid>
		<description><![CDATA[I have been dancing around the Be your own banker concept for the last month or so. I finally figured out what I have never liked about whole life insurance. People use it for life insurance. Let me tell you a story about myself and my wife. Were in our late 50s and we have [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Cigarette Smoking and Life Insurance</title>
		<link>http://universallifehealthinsurance.com/insurance-health-articles/cigarette-smoking-and-life-insurance</link>
		<comments>http://universallifehealthinsurance.com/insurance-health-articles/cigarette-smoking-and-life-insurance#comments</comments>
		<pubDate>Fri, 18 Nov 2011 12:02:26 +0000</pubDate>
		<dc:creator>Jessica Sanchez</dc:creator>
				<category><![CDATA[Insurance Health Articles]]></category>

		<guid isPermaLink="false">http://universallifehealthinsurance.com/insurance-health-articles/cigarette-smoking-and-life-insurance</guid>
		<description><![CDATA[November 17th is the Great American Smokeout, where people come to together to urge smokers to quit their habit because of the severe health effects it has on our bodies, as well as the people around us.  The known health risks keep piling up, but cigarette smokers continue to light up due to its addictive [...]]]></description>
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