The lemon flavor: Universal life or adjustable life.                                         

This is a type of permanent policy that offers you more flexibility than whole life. You may be able to increase the death benefit if you pass a medical examination. The savings part, (called a cash value account) generally earns a money market rate of interest. After money has accumulated in your account, you will have the option of changing your premium payments – providing you have enough money in your account to cover the costs, (or just pay more premium).

This can be a useful feature if your economic situation has suddenly changed. However, you would need to keep in mind that if you stop or reduce your premiums and the saving accumulation gets used up, the policy might lapse, which in English it means that your life insurance coverage will end.