The best replacement for universal life is whole life.

The best alternatives to universal life are rated as following:
★★★★★  whole life
★★★  term life
★★★  variable universal life
★★★  term
★★★  whole life insurance
★★  term insurance
★★  term life insurance
★  universal life
★  variable life
★  indexed universal life
★  adjustable life
  roth ira
  whole
  variable universal life insurance
  variable annuity

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