Long-Term-Care Protection Strategies The slideshow presentation that you would like to view is too large for your current screen resolution. Click here to view to view the slideshow at full resolution. Launch Presentation » Have A Question About This Topic? Name Email Address Message Thank you! Oops! Related Content What is a Claim? Do you know what a Claim is? Universal Life Insurance Universal life insurance is permanent insurance with a flexible premium. Here's how it works. Did You Know This Fact About the Claims Process? Claims can be left open as long as you need.