{"id":301976,"date":"2026-08-09T22:53:34","date_gmt":"2026-08-09T17:23:34","guid":{"rendered":"https:\/\/trybeem.com\/blog\/?p=301976"},"modified":"2026-08-09T22:53:35","modified_gmt":"2026-08-09T17:23:35","slug":"helpful-universal-life-insurance-explained-simply","status":"publish","type":"post","link":"https:\/\/trybeem.com\/blog\/helpful-universal-life-insurance-explained-simply\/","title":{"rendered":"Helpful Universal Life Insurance Explained Simply"},"content":{"rendered":"\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#what-is-universal-life-insurance-in-simple-terms\">What Is Universal Life Insurance in Simple Terms?<\/a><ul><\/ul><\/li><li><a href=\"#how-universal-life-insurance-actually-works\">How Universal Life Insurance Actually Works<\/a><ul><\/ul><\/li><li><a href=\"#what-makes-universal-life-different-from-other-policies\">What Makes Universal Life Different from Other Policies?<\/a><ul><\/ul><\/li><li><a href=\"#universal-life-vs-term-life-insurance\">Universal Life vs. Term Life Insurance<\/a><ul><\/ul><\/li><li><a href=\"#universal-life-vs-whole-life-insurance\">Universal Life vs Whole Life Insurance<\/a><ul><\/ul><\/li><li><a href=\"#who-may-consider-universal-life-insurance\">Who May Consider Universal Life Insurance?<\/a><ul><\/ul><\/li><li><a href=\"#situations-where-universal-life-may-not-be-the-best-fit\">Situations Where Universal Life May Not Be the Best Fit<\/a><ul><\/ul><\/li><li><a href=\"#common-misunderstandings-about-universal-life-insurance\">Common Misunderstandings About Universal Life Insurance<\/a><ul><\/ul><\/li><li><a href=\"#questions-to-ask-before-buying-universal-life-insurance\">Questions to Ask Before Buying Universal Life Insurance<\/a><ul><\/ul><\/li><li><a href=\"#conclusion\">Conclusion<\/a><\/li><li><a href=\"#frequently-asked-questions\">Frequently Asked Questions<\/a><ul><\/ul><\/li><\/ul><\/nav><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Life insurance can feel complicated when you&#8217;re trying to understand terms like premiums, cash value, death benefits, and policy flexibility. Universal life insurance adds another layer because it combines lifelong coverage with a cash value component and typically offers more flexibility around premiums than whole life insurance. That flexibility can be useful, but it also means you need to understand how the policy works and what happens if the cash value isn&#8217;t sufficient to support the policy over time.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In simple terms, life insurance is a type of permanent life insurance designed to remain in force for life as long as the policy&#8217;s requirements are met. Part of what you pay may go toward the cost of insurance and other policy expenses, while another portion can contribute to cash value. Depending on the policy, you may have opportunities to adjust premiums or the death benefit within certain limits.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Before adding a permanent insurance premium to your financial plan, it&#8217;s important to understand the ongoing costs and risks. Beem&#8217;s <a href=\"https:\/\/trybeem.com\/\">Smart Wallet<\/a> can help you monitor your finances, while <a href=\"https:\/\/trybeem.com\/budget-gpt\">BudgetGPT<\/a> can help you plan recurring expenses and long-term goals. If an unexpected expense affects your cash flow, eligible users can also explore <a href=\"https:\/\/trybeem.com\/get-instant-cash-advance?utm_source=chatgpt.com\">Get Instant Cash<\/a>. Here&#8217;s a simple breakdown of how universal life insurance works and what to consider before buying a policy.<\/p>\n\n\n\n<h2 id=\"what-is-universal-life-insurance-in-simple-terms\" class=\"wp-block-heading\">What Is Universal Life Insurance in Simple Terms?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Universal life insurance is permanent life insurance with a cash value and lifetime coverage. It fits those individuals who are looking for more flexibility than traditional life insurance.<\/p>\n\n\n\n<h3 id=\"combines-life-insurance-with-a-savings-component\" class=\"wp-block-heading\">Combines Life Insurance With a Savings Component<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Every premium payment helps to create cash value in your policy and covers your life insurance. Over time, this value can become a useful financial resource.<\/p>\n\n\n\n<h3 id=\"built-to-outlast-term-insurance\" class=\"wp-block-heading\">Built to Outlast Term Insurance<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Universal life insurance lasts a lifetime, unlike <a href=\"https:\/\/trybeem.com\/blog\/term-life-insurance-riders\/\">term life insurance<\/a>, which only covers a set period. You just need to meet the policy requirements and keep up with the premium payments.<\/p>\n\n\n\n<h3 id=\"flexibility-is-the-main-difference\" class=\"wp-block-heading\">Flexibility is the main difference.<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The flexibility of universal life insurance is a major benefit. Your policy will let you modify premium payments or coverage amounts as your financial requirements change.<\/p>\n\n\n\n<h2 id=\"how-universal-life-insurance-actually-works\" class=\"wp-block-heading\">How Universal Life Insurance Actually Works<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Universal life insurance gives long-term coverage and more freedom than many other plans. Understanding how it works enables you to evaluate whether it fulfills your needs.<\/p>\n\n\n\n<h3 id=\"you-pay-premiums-into-the-policy\" class=\"wp-block-heading\">You Pay Premiums Into the Policy<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">When you pay your premium, part goes to your life insurance cost. The rest may add to your policy&#8217;s cash value, depending on the terms.<\/p>\n\n\n\n<h3 id=\"part-of-the-money-builds-cash-value\" class=\"wp-block-heading\">Part of the Money Builds Cash Value<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">As your policy stays active, the <a href=\"https:\/\/trybeem.com\/blog\/whole-life-insurance-cash-value-how-it-builds\/\">cash value can grow over time<\/a>. The growth depends on your policy&#8217;s features and may become a financial resource you can access later.<\/p>\n\n\n\n<h3 id=\"the-policy-uses-that-value-in-different-ways\" class=\"wp-block-heading\">The Policy Uses That Value in Different Ways<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The cash value can help support your policy over time. Depending on the policy, it may affect future premium payments, policy value, or other available benefits.<\/p>\n\n\n\n<h2 id=\"what-makes-universal-life-different-from-other-policies\" class=\"wp-block-heading\">What Makes Universal Life Different from Other Policies?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Universal life insurance is distinct because it provides more flexibility than traditional policies. This can be a great fit for those whose financial needs may change.<\/p>\n\n\n\n<h3 id=\"premium-payments-can-be-more-flexible\" class=\"wp-block-heading\">Premium Payments Can Be More Flexible<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Many life policies offer options for flexible premium payments. This allows you to modify your payments as your financial situation shifts.<\/p>\n\n\n\n<h3 id=\"coverage-amounts-can-sometimes-change\" class=\"wp-block-heading\">Coverage Amounts Can Sometimes Change<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Some life policies allow you to increase or decrease your coverage amount if you meet the insurer&#8217;s requirements. This flexibility can help your policy better match your changing financial needs.<\/p>\n\n\n\n<h3 id=\"it-is-more-adjustable-than-traditional-whole-life\" class=\"wp-block-heading\">It is more adjustable than traditional Whole Life.<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Whole life insurance usually follows a fixed structure, while universal life insurance offers more flexibility. This gives policyholders greater control over certain parts of the policy throughout its lifetime.<\/p>\n\n\n\n<h2 id=\"universal-life-vs-term-life-insurance\" class=\"wp-block-heading\">Universal Life vs. Term Life Insurance<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Universal life and term life insurance offer financial protection. However, they serve different purposes. Comparing their features can help you choose the option that best fits your goals.<\/p>\n\n\n\n<h3 id=\"temporary-coverage-vs-potential-lifetime-coverage\" class=\"wp-block-heading\">Temporary Coverage vs Potential Lifetime Coverage<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Term life insurance provides coverage for a set number of years. Universal life insurance can provide lifelong coverage if the policy requirements continue to be met.<\/p>\n\n\n\n<h3 id=\"simplicity-vs-flexibility\" class=\"wp-block-heading\">Simplicity vs Flexibility<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Term life insurance is generally easier to understand because it focuses only on providing coverage. Universal life insurance offers more flexibility, but it also includes additional features that require greater attention.<\/p>\n\n\n\n<h3 id=\"cost-differences\" class=\"wp-block-heading\">Cost Differences<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Term life insurance usually has lower premiums because it provides temporary coverage. Universal life insurance generally costs more since it offers long-term coverage and includes a cash value feature.<\/p>\n\n\n\n<h3 id=\"cash-value-considerations\" class=\"wp-block-heading\">Cash Value Considerations<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Term life insurance does not build cash value. <a href=\"https:\/\/trybeem.com\/blog\/indexed-universal-life-insurance\/\">Universal life insurance <\/a>may build cash value over time, giving policyholders an additional financial feature alongside their life insurance coverage.<\/p>\n\n\n\n<h2 id=\"universal-life-vs-whole-life-insurance\" class=\"wp-block-heading\">Universal Life vs Whole Life Insurance<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Universal life and whole life insurance provide lifetime coverage and have cash value potential. However, they operate differently and suit various financial preferences.<\/p>\n\n\n\n<h3 id=\"predictability-compared-with-flexibility\" class=\"wp-block-heading\">Predictability Compared with Flexibility<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Whole life insurance follows a more predictable structure with fixed premiums and steady benefits. Universal life insurance offers greater flexibility, allowing certain policy features to change within the policy&#8217;s limits.<\/p>\n\n\n\n<h3 id=\"how-cash-value-growth-can-differ\" class=\"wp-block-heading\">How Cash Value Growth Can Differ<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Both policies build cash value, but the way it grows may be different. Life insurance follows the policy&#8217;s growth features, while whole life insurance usually provides more predictable long-term growth.<\/p>\n\n\n\n<h3 id=\"premium-structures-work-differently\" class=\"wp-block-heading\">Premium Structures Work Differently<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Whole life insurance generally has <a href=\"https:\/\/trybeem.com\/blog\/role-of-inflation-in-shaping-financial-policy\/\">fixed premium payments throughout the policy<\/a>. Life insurance may allow premium adjustments within certain limits, depending on the policy and available cash value.<\/p>\n\n\n\n<h3 id=\"which-type-appeals-to-different-financial-goals\" class=\"wp-block-heading\">Which Type Appeals to Different Financial Goals<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">People who appreciate stability and regular payments should consider whole life insurance. Universal life insurance is perfect for people who want freedom as their financial demands change.<\/p>\n\n\n\n<h2 id=\"who-may-consider-universal-life-insurance\" class=\"wp-block-heading\">Who May Consider Universal Life Insurance?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Universal life insurance isn&#8217;t for everyone; it can be a good fit for those wanting long-term coverage with more flexibility.<\/p>\n\n\n\n<h3 id=\"people-wanting-long-term-coverage\" class=\"wp-block-heading\">People Wanting Long-Term Coverage<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">People searching for life insurance that will last many years could think about life insurance. Long-term security is given, and some flexibility is allowed as financial demands alter.<\/p>\n\n\n\n<h3 id=\"families-looking-for-more-payment-flexibility\" class=\"wp-block-heading\">Families Looking for More Payment Flexibility<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Some families prefer a policy that offers more flexibility with premium payments. Universal life insurance may provide that option, depending on the policy terms and available cash value.<\/p>\n\n\n\n<h3 id=\"individuals-interested-in-building-policy-value\" class=\"wp-block-heading\">Individuals Interested in Building Policy Value<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Universal life insurance may appeal to people who want their policy to build cash value over time. This feature can become an additional financial resource while keeping life insurance coverage active.<\/p>\n\n\n\n<h3 id=\"those-planning-for-long-term-financial-goals\" class=\"wp-block-heading\">Those Planning for Long-Term Financial Goals<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Universal life insurance might be beneficial for those arranging long-term financial objectives. It includes a cash value component that helps with <a href=\"https:\/\/trybeem.com\/blog\/how-to-start-financial-planning-in-your-20s\/\">future financial planning<\/a>, together with lifetime coverage.<\/p>\n\n\n\n<h2 id=\"situations-where-universal-life-may-not-be-the-best-fit\" class=\"wp-block-heading\">Situations Where Universal Life May Not Be the Best Fit<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Universal life insurance is flexible, but it isn\u2019t always the best option. Some may find simpler or cheaper policies more beneficial.<\/p>\n\n\n\n<h3 id=\"you-want-very-simple-coverage\" class=\"wp-block-heading\">You Want Very Simple Coverage<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If you want straightforward life insurance with fewer moving parts, term life insurance or another simple policy may be easier to understand and manage.<\/p>\n\n\n\n<h3 id=\"you-need-the-lowest-possible-premium\" class=\"wp-block-heading\">You Need the Lowest Possible Premium<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Universal life insurance generally costs more than term life. If keeping monthly payments low is your priority, a term policy could be a better choice.<\/p>\n\n\n\n<h3 id=\"you-prefer-predictable-structures\" class=\"wp-block-heading\">You Prefer Predictable Structures<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Some people want to know exactly what they will pay and how their policy works. Whole life insurance might suit those who value predictable premiums and benefits.<\/p>\n\n\n\n<h3 id=\"you-are-focused-only-on-temporary-protection\" class=\"wp-block-heading\">You Are Focused Only on Temporary Protection<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A term life insurance plan will give you the coverage you need for a certain number of years without having to pay for lifetime coverage.<\/p>\n\n\n\n<h2 id=\"common-misunderstandings-about-universal-life-insurance\" class=\"wp-block-heading\">Common Misunderstandings About Universal Life Insurance<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Because of its terminology, life insurance is sometimes misunderstood. Understanding the policy will enable you to make wiser decisions and prevent ambiguity.<\/p>\n\n\n\n<h3 id=\"flexible-means-unlimited-control\" class=\"wp-block-heading\">\u201cFlexible Means Unlimited Control\u201d<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Universal life insurance gives flexibility but still adheres to certain guidelines. Premium or coverage adjustments have to fit within the insurance company&#8217;s limits.<\/p>\n\n\n\n<h3 id=\"cash-value-always-grows-quickly\" class=\"wp-block-heading\">\u201cCash Value Always Grows Quickly\u201d<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Cash value does not always grow at the same rate. Growth depends on your policy&#8217;s features and usually takes time, making life insurance a long-term financial product.<\/p>\n\n\n\n<h3 id=\"it-works-exactly-like-whole-life\" class=\"wp-block-heading\">\u201cIt Works Exactly Like Whole Life\u201d<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Both policies provide long-term coverage and develop cash value, but they run differently. Universal life insurance is more flexible; whole life insurance has a fixed structure.<\/p>\n\n\n\n<h2 id=\"questions-to-ask-before-buying-universal-life-insurance\" class=\"wp-block-heading\">Questions to Ask Before Buying Universal Life Insurance<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Consider your <a href=\"https:\/\/trybeem.com\/blog\/key-metrics-to-track-in-your-financial-plan\/\">long-term financial objectives <\/a>before choosing a universal life plan. Asking questions will enable you to determine if this insurance meets your requirements.<\/p>\n\n\n\n<h3 id=\"how-long-do-i-need-coverage\" class=\"wp-block-heading\">How Long Do I Need Coverage?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Think about how long your family will need financial protection. If you want lifetime coverage, life insurance may be a good option.<\/p>\n\n\n\n<h3 id=\"do-i-want-flexibility-or-predictability\" class=\"wp-block-heading\">Do I Want Flexibility or Predictability?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Some want flexible rules that evolve. Others look for consistent advantages and fixed payments. Knowing your taste will enable you to select the appropriate insurance.<\/p>\n\n\n\n<h3 id=\"am-i-comfortable-managing-policy-changes\" class=\"wp-block-heading\">Am I Comfortable Managing Policy Changes?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Universal life insurance can demand frequent reviews to keep it in line with your objectives. Make sure managing those changes over time suits you.<\/p>\n\n\n\n<h3 id=\"what-role-does-cash-value-play-in-my-goals\" class=\"wp-block-heading\">What Role Does Cash Value Play in My Goals?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Consider whether your long-term goals depend on the addition of cash value. If you want life insurance protection and a growing policy value, life insurance could meet your needs.<\/p>\n\n\n\n<h2 id=\"conclusion\" class=\"wp-block-heading\">Conclusion<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Universal life insurance can provide lifelong financial protection while offering a cash value component and, depending on the policy, more flexibility than traditional whole life insurance. That flexibility can be valuable if your income or financial priorities change over time. However, universal life insurance isn&#8217;t simply a savings account with insurance attached. Policy charges, premium requirements, interest or investment performance, and cash value levels can all affect whether the policy remains in force.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Before choosing universal life insurance, consider what you actually need from your coverage. If your primary goal is affordable protection for a specific period, term life insurance may be worth comparing. If you&#8217;re looking for permanent coverage and value the policy&#8217;s additional features, universal life may be an option to explore. Understanding the policy&#8217;s costs, guarantees, assumptions, and potential risks is essential before making a long-term commitment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Beem can help you stay organized as you evaluate insurance alongside your other financial priorities. Use <a href=\"https:\/\/trybeem.com\/budget-gpt\">BudgetGPT<\/a> to plan recurring expenses, track your finances with the <a href=\"https:\/\/trybeem.com\/\">Smart Wallet<\/a>, and look for potential savings with <a href=\"https:\/\/trybeem.com\/deals-gpt\">DealsGPT<\/a>. If you&#8217;re eligible, <a href=\"https:\/\/trybeem.com\/get-instant-cash-advance?utm_source=chatgpt.com\">Get Instant Cash<\/a> can provide short-term financial flexibility when unexpected expenses arise. Download Beem on the <strong><a href=\"https:\/\/apps.apple.com\/us\/app\/beem-cash-advance-banking\/id1525101476\" target=\"_blank\" rel=\"noopener\">App Store<\/a><\/strong> or <strong><a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.useline.line\" target=\"_blank\" rel=\"noopener\">Google Play<\/a><\/strong> to keep your broader financial plan on track.<\/p>\n\n\n\n<h2 id=\"frequently-asked-questions\" class=\"wp-block-heading\">Frequently Asked Questions<\/h2>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1785846211094\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What is universal life insurance in simple terms?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Long-term coverage with a cash value and flexible choices is provided by universal life insurance. This gives policyholders more control than many traditional policies.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1785846221087\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Is universal life insurance permanent?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Yes, universal life insurance can provide lifelong coverage if the policy requirements are met and there is enough value to keep it active.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1785846228829\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Does universal life insurance build cash value?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Yes, many universal life policies include a cash value feature that grows over time, depending on the policy&#8217;s terms and management.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1785846236579\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Is universal life insurance better than term life?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Those looking for long-term coverage, cash value growth, and flexibility will find universal life insurance a good option. For reasonable temporary coverage, term life insurance is typically preferable.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1785846251217\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Can premium payments change in universal life insurance?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Yes, some universal life policies let you adjust premium payments within certain limits. This helps policyholders adjust payments as their financial situations change over time.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1785846264342\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Is universal life insurance difficult to understand?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Not necessarily; most confusion comes from insurance terminology. Once the basic features are explained in simple language, universal life insurance becomes much easier to understand.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Life insurance can feel complicated when you&#8217;re trying to understand terms like premiums, cash value, death benefits, and policy flexibility. Universal life insurance adds another layer because it combines lifelong coverage with a cash value component and typically offers more flexibility around premiums than whole life insurance. That flexibility can be useful, but it also [&hellip;]<\/p>\n","protected":false},"author":43,"featured_media":298695,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[18745],"tags":[4790,107,168,191,337,216],"edited-by":[],"class_list":["post-301976","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-life-insurance","tag-beem","tag-financial-planning","tag-money-matters","tag-personal-finance","tag-save","tag-save-money"],"acf":[],"_links":{"self":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts\/301976","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/users\/43"}],"replies":[{"embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/comments?post=301976"}],"version-history":[{"count":3,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts\/301976\/revisions"}],"predecessor-version":[{"id":302270,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts\/301976\/revisions\/302270"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/media\/298695"}],"wp:attachment":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/media?parent=301976"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/categories?post=301976"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/tags?post=301976"},{"taxonomy":"edited-by","embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/edited-by?post=301976"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}