If you have been struck with steep increases in your universal life insurance policy, you may feel faced with two equally unappealing options: You can either pay what for many policyholders amounts to thousands of dollars a year in premium costs, or you can forfeit the policy and lose both the death benefit and all the hard-earned savings you’ve contributed to your account throughout your lifetime. (Read more about universal life insurance fraud.)

As we recently reported, life insurers across the U.S. continue to face legal action from policyholders who are filing class action lawsuits based on fast-rising, allegedly unjustified cost-of-insurance increases. (Read more about why some policyholders are suing their universal life insurers.)

As steep increases on certain universal life insurance policy premiums continue to attract nationwide attention, one segment of the population in particular is feeling the impact of these fast-rising costs.

Some retirees or soon-to-be retirees, many of whom purchased their universal life insurance policies in the 1980s, are now facing increases on their premiums in the double-digit percentages. In some instances, this amounts to thousands of dollars a year—just to keep the death benefit from lapsing, while the “nest egg” cash value component of the policy is nearly exhausted.

Accidents involving commercial trucks can be particularly damaging because of these vehicles’ size, weight, and lack of mobility. If you or a family member has been injured by a tractor trailer, semi-truck, rig or other large commercial truck or vehicle, it’s important to understand the specific rules that govern these vehicles and their drivers. These official regulations can help determine liability in the event of a collision.