There is no universal term for this.
Catholic means universal.
universal is when the insured person die you get the benefits, optional term you get benefits with term limit
Singular Term Particular Term Universal Term
"Shh" is a universal term requesting silence. For example: "Hey Mark, how was your day?" "Shh! I'm working on Answers.com!"
Universal Banks are banks that combine investment and regular banking. An example of a Universal Bank is Deutsche Bank which is located in Germany.
Universal life is a tool just like whole life and term. They all have their place, but not everyone need universal or term insurance. It depends on what your goals and fears are.
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pH Scale
some numbers can be universal but not all numbers for example 112 is the emergency call number for Italy that means it is universal
A red rose is the universal symbol for love. A cross it the universal symbol for Jesus Christ. The devil is the universal symbol for everything dark and evil.
This television set is only useful with a universal remote.