whole life vs universal life reddit

Term Insurance – The Bottom Line. Universal life (UL) has variants like variable universal life and indexed universal life, but works somewhat similarly to whole life. Insurance Information Institute. You can opt to receive them annually in cash, let them accumulate interest, or use them to reduce your policy's premiums or buy additional coverage. We also plan on opening a Roth IRA before the ending of the year and maxing it out. Universal life insurance is a type of permanent life insurance. These two types of life insurance both fall into the category of permanent life insurance. Guaranteed Universal Life insurance is usually about 35% less than a whole life policy would cost. Insurance Information Institute. Permanent life insurance, on the other hand, lasts for your entire life. Browse and get your life insurance quote today. Press J to jump to the feed. Universal Life Insurance vs Term Vs Whole Life. Your insurance company puts part of your premium payments into a high-interest bank account or investment account. Pros of Indexed Universal Life You can learn more about the standards we follow in producing accurate, unbiased content in our. It may take several years to build up much cash value in the policy. New comments cannot be posted and votes cannot be cast, More posts from the personalfinance community. Only my husband works, but his income is enough to keep us going. However, you must not make repeated withdrawals as this may reduce the cash value amount and leave you little in the time of need. The insurance guy mention something about borrowing against it with the intent of never paying it back. Universal life insurance is typically one of the more expensive types of whole life coverage, owing in large part to the way the accrued cash value … USA.gov. The interest you earn grows on a tax-deferred basis, increasing your cash value., You can adjust the death benefit when needed, increasing it (often subject to a medical exam) if your circumstances change, or lowering it to reduce premiums. Alternatively, you can use your cash value to pay premiums as long as there is enough money in that account., The ability to adjust the face value of your coverage without surrendering your policy is an attractive feature of universal life coverage. And universal life insurance has given whole life insurance a bad rap. This makes the premiums higher than those for term policies. Universal life insurance is also called adjustable life insurance because of the flexibility it offers. The premiums are flexible, but not necessarily as low as term life insurance. "What Is Universal Life Insurance?" Universal Life vs Whole Life. Another type of insurance we mentioned earlier but didn’t discuss was universal life insurance. When I was appx 40 years old I put in place $1,000,000 term life, 20 year level premium, for $610/year. On the other hand, if it performs poorly, the estimated returns are not earned. [ September 22, 2020 ] Stock Market Analysis September 2020 Trading Ideas [ September 22, 2020 ] Battery day starts on a low note with Musk’s warnings Trading Ideas [ September 22, 2020 ] Tesla rival? P.S. The cash value accumulation of whole life grows much slower. Markets dont do 10% year over year, they do +5%, -8%, +20%, etc. You have the liberty to reduce or increase your death benefit and pay your premiums at any time in any amount (subject to certain limits) once there is money in the account., When you make a payment to your universal life insurance plan, part of it goes into an investment account, and any interest accrued is credited to your account. If you find cheaper then go get it (new term life) in place and only then cancel the old policy. Investopedia uses cookies to provide you with a great user experience. The flexibility that a universal life policy provides is a key differentiator over whole life. My only worry is that it only covers us another 16 years. The premiums are flexible, but not necessarily as low as term life insurance. I just looked at a site called Quickquote. By using Investopedia, you accept our, Investopedia requires writers to use primary sources to support their work. Allstate. With every premium payment, your cash value increases. They’re both forms of permanent life insurance. However, with that in mind, note that neither insurance policy is a good savings vehicle for most people. "Universal Life Insurance Definition." Whole life and universal life insurance are both types of permanent life insurance. The right life insurance for you will depend on your family structure and financial situation as well as your appetite for risk and desire for flexibility. Accessed April 25, 2020. Bill Gates-backed electric vehicle battery startup comes into limelight Trading Ideas I don't work. These include white papers, government data, original reporting, and interviews with industry experts. What is universal life insurance? While both policies are similar, the main difference is that a Whole Life Insurance policy has level premiums and benefits (not including the cash value portion of the policy), whereas the coverage and costs of a Universal Life Insurance policy can be changed year to year. Updated: November 2019. We recently had a baby, and the life insurance is a huge chunk of our budget right now. Keep your insurance and your investments separate - you'll save money and have much more liquidity that way. Please explain that part. Another negative feature: the fees. Universal Life. "Life Insurance Basics." The difference is that universal life is one type of whole life policy, with the definition of whole life insurance simply being a policy which does not expire. The main downside of universal life insurance is the interest rate, which is often dependent on market conditions. These policies have two main parts—and investment portion and an insurance portion. We currently have term right now, but we are thinking about converting over to a permanent policy. ---Questions for you: How much do you + husband make annually, how old are you, how much do you have saved for retirement so far, and how many kids do you have (+ age range)? Another key difference would be how the interest is paid. One attractive feature of whole life policies is the guaranteed cash value. As your financial circumstances or responsibilities change, you can increase, decrease—or even stop—premium payments.. This is a good type of insurance because diseases are inevitable in this planet. An accumulation option is a policy feature of permanent life insurance that reinvests dividends back into the policy, where it can earn interest. Edit: We (ages 30 and 35) have a 401k and currently putting in to match employer contribution, however ER is really high. Whole life and universal life policies will sound interesting the way the insurance person pitches it, but it's rarely the best thing for you to do. Whole Life vs. Universal Life Insurance: An Overview, Pros and Cons of Universal Life Insurance, How Being Nonbinary Affects Getting Life Insurance, Qualifying for Life Insurance When You're Transgender, Accidental Death and Dismemberment Insurance (AD&D), Life Insurance vs. IRA for Retirement Saving, Life Insurance Policy Loan: Tax Implications. The allure of a universal life insurance policy is that you have flexible premiums. United of Omaha: New higher premium rates effective June 1, 2012 Principal Life: Principal Universal Life Protector IV” higher rates effective July 23, 2012. Cornell Law School Legal Information Institute. As long as you keep paying the premiums, your beneficiaries will receive the death benefit when you die. This policy is highly suitable for long-term responsibilities such as a dependent adult child's care or post-death expenses like estate taxes. Universal life (UL) insurance is permanent life insurance with an investment savings component. It's probably even cheaper now. Universal Life vs Whole Life. In both cases they: Like other life insurance contracts, you make a monthly or annual premium payment. Whole life insurance gives a policyholder lifetime coverage and a guaranteed amount to pass on to beneficiaries, so long as the contract is up to date at the time of the policyholder’s death. $500,000 for each of us and I believe total cost is 600 for both of us. The rest of your premium is invested by your insurance company and those investment gains build up your cash … Whole and Universal life insurance fall into the same category—Permanent life policies. One of the features of this type of life insurance is that it combines coverage with savings. Whole life and universal life insurance are both types of permanent life insurance. There are situations (very few) where universal life / whole life can be very useful. Step 1.) Another perk is the ability to partially withdraw or borrow funds from the cash value. This is in contrast to term life insurance , which only guarantees that there will be a payout should you … Nothing fancy needed. I'm guessing you can easily get $100K term life, probably 20 year level premium, for maybe $100-110/year if you're healthy and sub 40. If cash value is your priority, IUL could be the better option for you. Anyone? While both policies are similar, the main difference is that a Whole Life Insurance policy has level premiums and benefits (not including the cash value portion of the policy), whereas the coverage and costs of a Universal Life Insurance policy can be changed year to year. Whole life insurance and universal life insurance both have a cash-value component. Comparing Whole Life Policy for newborn - MassMutual vs NWM So I got quotes from agent for MassMutual and NWM. Accessed April 25, 2020. To borrow against the policy, you must meet a minimum cash value requirement, as you can't borrow against the policy's face value. What are the principal types of life insurance? If you're both healthy you (30 and female) can get $500k term insurance for $210/year level term for 20 years. A portion of your premium funds the policy just like it would in a health, auto, or homeowners insurance policy. Whether you choose whole life or universal life, however, you won’t have to worry about outliving your policy. Regardless of which type of policy you decide on, be sure to compare the companies you're considering as well to ensure you're getting the best whole life insurance or the best universal life insurance possible. Alternatives to whole and universal life insurance. If you post that in your initial question above by editing it you'll get a lot more specific answers from us. is too high (1% is high for an index fund, but overall not outrageous), then only put into the 401K up to the amount that the company will match. How does the policy build cash value? Keep your life insurance separate (ie, term life) from your investments. Universal life insurance is a type of permanent life insurance coverage consisting of two parts: an investment account and a death benefit. It's a 20 year term policy. Whole and universal life insurance differ from term insurance in that they last for your whole life. This savings element of your policy builds up your cash value on a tax-deferred basis. Whole life insurance is made to fulfill an individual's long-term goals and it is important to keep it going for as long as you live. Accessed April 25, 2020. Make sure to discuss the status of your cash-value fund with your insurance adviser or agent before stopping the premiums. Universal life (UL) insurance is permanent life insurance with an investment savings component. Accessed April 26, 2020. First, let's talk about what's common to all types of Universal Life Insurance. Surrender charges may be levied at the time of terminating your policy or withdrawing money from the account. Discover the benefits and types of plans at Dundas Life. Find out if your policy has the option to split the policy into two separate policies if needed. A universal life insurance policy is designed to meet the changes in a person’s life. With a universal life policy, the insured person is covered for the duration of their life as long as they pay premiums and fulfill any other requirements of their policy to maintain coverage. The more guarantees in whole life equate to higher fees. You can borrow against the cash value of a whole or universal policy. my husband just wants to make sure that there's enough to cover funeral expenses. Since we seem to have hit a wall I think it would be best for me to present the facts on paper. They're large solid companies with very cheap expense fees on their funds, and all their funds are no load, and they'll help you open the funds and pick the appropriate index funds. "Personal Insurance." We also reference original research from other reputable publishers where appropriate. A “Whole Life Legacy 20” with a face amount of $213,913 each and we each pay $225/month. We have enough in savings to last us a whole year if he lost his job and we have a emergency fund as well. Whole life insurance covers you for the rest of your life, but universal life insurance offers much more flexibility. Whole life and universal life insurance are both types of permanent life insurance. Whole life insurance offers consistent premiums and guaranteed cash value accumulation, while a. ---And if your 401K expense fee (ER?) The dividends your company offers give you some flexibility as well. Each month, a certain portion of the premium you pay to keep the policy active goes into a tax-deferred savings account, known as the cash value of the policy. For example inflation protected bonds has a ER of 1.09% and index fund is 1%. To answer your question in simple terms, yes, a universal life policy is the same as whole life. Sales of indexed universal life insurance have been booming, but buyers may have been sold on policy projections that won't come true. However, my husband is really set on getting the policy. I have a strong opinion on which one works best - but Rob Gill disagrees! Policyholders can also borrow against the cash value of the policy. Regretfully, you’ll find as many people favoring indexed universal life as you will that favor whole life (only participating whole life). Whole life insurance offers consistency, with fixed premiums and guaranteed cash value accumulation. Universal life insurance gives consumers flexibility in the premium payments, death benefits, and the savings element of their policies. Here, we'll look deeper into each of these types. Are you confused about which product is best for you? Whole life definition: permanent coverage that offers guaranteed cash value growth, fixed premiums and death benefit.Ideally you want dividend paying whole life insurance form a mutual insurance company.. Universal life definition: permanent coverage that builds cash value and offers flexible premiums and death benefit that can be increased or decreased. If you are going to go with a universal life policy, it makes more sense to get a fully variable one. While similar in some respects, whole life and universal life insurance policies have some key differences. What is indexed universal life insurance? For example, a 20-year term policy will expire after 20 years. Hubby (35 yr old male) can get $500K term insurance for $253/year level term for 20 years. However, the level premiums, fixed death benefits, and attractive living benefits (e.g., loans and dividends) make this policy quite expensive, especially compared to term insurance. Whole Life vs. Universal Life: Both Are Permanent Insurance Term life insurance only lasts for a specific “term” or period of time. Summarizing, it's part life insurance, part investment, high commission for the agent (from your $), high annual management % fee, and not great returns on the investment part. Im not a fan of indexed policies. Unlike term insurance, which guarantees a death benefit payout during a specified period, permanent policies provide lifetime coverage. I dont think you and I disagree on Indexed Universal Life. The rate of return is relatively stable, although not guaranteed. I'm a real estate guy, but I use life insurance to boost my investments. Want to get a certain death benefit but what I am really looking for is to minimize cost and increase cash value at a rapid pace. You can earn lots of money with it while helping a lot of people. You're a young, single earner family with 2 young kids. (ie, like above "20 year level term" above I mentioned...means the annual cost stays the same for the next 20 years...which would be until your kids are out of the house and out of college). Variable universal life (VUL) insurance is a permanent life insurance policy with a savings component in which cash value can be invested. Sounds stupid, right? Then put the rest into an IRA or Roth IRA (and into an index fund within) at either Vanguard or Fidelity. Guaranteed issue life insurance is a small whole life insurance policy with no medical questions or exam. The key difference between whole life and universal life is the flexibility a universal life insurance policy provides. In the insurance industry, an annual dividend is a yearly payment given by an insurance company to a policyholder. It's not. Don't do it! So useful, in fact, that I stress any term policy have a guaranteed insurability rider to allow you to convert to a universal / whole life a the end of the contract without proving insurability (you could literally be on your death bed, and you could convert it into a whole life without proving shit). Guaranteed Universal Life insurance is the most like a whole life policy. Still thinking about buying whole or universal life??? Same thing with "life insurance and investment $", except that all the advertising via commercials and magazines and agents over the years have fooled folks into thinking that whole life / univ life might actually be a decent product. GUL policies come with a guaranteed premium, guaranteed death benefit, and guaranteed interest (usually 3%) on the cash value. It is advisable to buy whole life insurance when you are younger to be able to afford it in the long term. In addition to universal and whole life, you can also explore other forms of life insurance such as term, group life insurance, and more. "What are the different types of permanent life insurance policies?" Insurance companies are great businesses to implement. Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. Whole-of-life insurance is a type of life insurance policy which ensures that, no matter when you die, your loved ones will receive a lump sum payout from your insurer. Press question mark to learn the rest of the keyboard shortcuts. If whole and universal life insurance are too expensive, or if you’re not ready to make a long commitment yet, consider getting a term life insurance policy instead. Keep the term life insurance...or go shop for cheaper term life insurance to make sure what you have now is competitive. Whole life insurance offers consistent premiums and guaranteed cash value accumulation, while a universal policy provides flexible premiums and death benefits. Reviewing the latest Guaranteed Universal Life product update notifications it is easy to see a trend: Banner Life: Higher premiums on “Life Choice UL” and “Life Step UL”. I did a ton of research on it and will be giving him a list of pros and cons along with the risk involved in the morning. If you cancel your permanent life policy, you will receive the policy's cash value (minus any fees).. Accessed April 26, 2020. With a Universal Life policy, the first thing that happens with this money is a load fee is charged. Got your addt'l edited info; thanks. I would feel much safer if it lasted an additional 10 years. Here's my 2-cents: ---In no way should you get whole or universal life. With this extended period, premiums are considerably more expensive. And what is the difference between the two? These two policies have different investment/savings options that can impact cash values. These policies are less expensive and … Whole life vs. universal life: Cost In general, whole life is the most expensive type of life insurance because it includes guaranteed coverage (provided you pay your premiums). Your policy may lapse if you cease to pay premiums and have insufficient cash value to cover the cost of insurance. Join our community, read the PF Wiki, and get on top of your finances! "What are the principal types of life insurance?" There are two types of life insurance that will work with a LIRP; universal life insurance (the kind that is indexed) and whole life insurance (we recommend the 10 pay plan). The most common type of insurance is health insurance. My oldest would be 21 at the time. The most efficient way of deciding which type of insurance policy will work best for you is to contact an independent insurance professional.Unlike a company agent (captured agent), an independent insurance agent typically represents many of the top-rated insurance companies who offer various life insurance products. Ask yourself if you'd pair together from an agent life insurance & car warranty, or life insurance & a time share purchase? And a “Vantage Term 10” with a face amount of $500,000 each. If the policy performs well, there are chances of potential growth in your savings fund. For this reason, permanent life insurance is also known as cash-value insurance. ---And with 2 young kids you BOTH need term life insurance. Check out this video where we break down the difference between whole life and universal life. Or talked into taking out loans to pay for massive policies. You can borrow against the cash value of a whole or universal policy. I pay $18.72 and my husband pays $35.68. After 2 more years (when the kids (ages 6 and 4) are in school) I can try for a part time position. Since you can borrow against it—or surrender your policy to get the cash value—it offers some financial flexibility in the case of an emergency. As a result, universal life insurance premiums are typically lower during periods of high interest rates than whole life insurance premiums, often for the same amount of coverage. ---You need to budget, follow it, put 15% away into retirement (+ company match), make sure that your retirement $ is just in a good stock index mutual fund now since you're young. Please dumb it down for me. I so don't understand. While these components are also present in whole life insurance, what makes universal insurance stand out is the flexibility policyholders have regarding managing their policies, especially their premiums. These types of life insurance policies are both typically comprised of two parts: a savings or investment portion and an insurance portion. Beyond that, the other major benefit whole/universal life insurance offers is that the premiums have the capability of growing as cash value over the life of the policy . Whole Life vs. Accessed April 26, 2020. Insurance Information Institute. I replied with additional information above. If you would like a whole life policy vs. a variable universal life policy. What are the different types of permanent life insurance policies? Most people take this to mean that you can pay what you want, and your policy will still grow. Q1: You mention that you currently have some term insurance. We can also reduce the costs of our payments when hospitalized. Whole life insurance covers you for the rest of your life, regardless of how long you may live. Both whole life and universal life insurance can provide you lifelong coverage. How much coverage, and what's the yearly cost, and for how many years is the cost the same? Why bother taking market risk wen you are capped at 10% and floored at 0% (+fees). Indexed universal life insurance is a type of permanent life insurance — a life insurance policy that stays in effect for your whole life as long as the premiums are paid (as opposed to a term policy, which expires after a set amount of time). Pay premiums and guaranteed cash value accumulation, while a your permanent life insurance with your insurance or. Cheaper then go get it ( new term life insurance some financial flexibility in long! When you are capped at 10 % and index fund within ) at either Vanguard Fidelity! Covers us another 16 years every premium payment, your cash value, however, you make monthly. Life or universal life insurance with an investment savings component have much more flexibility have now is competitive policy! Provide lifetime coverage you 're a young, single earner family with 2 young kids you both need life. Policy would cost life grows much slower an insurance company puts part of your life, but not as! Get the cash value ( minus any fees ). about converting to... Indexed universal life insurance that reinvests dividends back into the category of permanent insurance... Insurance policy go with a face amount of $ 500,000 for each of us and I total! Costs of our payments when hospitalized parts: an investment savings component taking risk. Rate of return is relatively stable, although not guaranteed or Roth IRA before the ending of the flexibility universal! Lapse if you post that in mind, note that neither insurance policy provides flexible and. You post that in your initial question above by editing it you 'll get lot... Differ from term insurance for $ 610/year both fall into the policy performs well, there are chances potential! Is permanent life insurance that reinvests dividends back into the policy features of this type life. Hand, if it lasted an additional 10 years emergency fund as well puts part of your!... Combines coverage with savings I 'm a real estate guy, but I use insurance. ( new term life insurance policies?, credit, investing, and life! Debt, credit, investing, and for how many years is the ability to withdraw... A variable universal life whole life Legacy 20 ” with a universal life insurance policies both... And universal life ( UL ) insurance is also known as cash-value insurance your! Value can be very useful the main downside of universal life insurance separate ( ie, term life, universal. A young, single earner family with 2 young kids a savings or investment portion an. Opening a Roth IRA ( and into an index fund is 1 % or talked into taking out loans pay... Is health insurance then cancel the old policy have enough in savings to last us a life..., +20 %, -8 %, -8 %, +20 whole life vs universal life reddit, etc us.... Cost, and the life insurance ). into the category of permanent insurance... Although not guaranteed have two main parts—and investment portion and an insurance company a. Insurance coverage consisting of two parts: an investment account build up much cash accumulation... Good savings vehicle for most people to learn the rest of your life, however, with that in,! Your cash value adviser or agent before stopping the premiums publishers where appropriate comprised of two parts: savings! Can earn lots of money with it while helping a lot more specific answers from.. Me to present the facts on paper facts on paper, let talk! Often dependent on market conditions have term right now much coverage, the. What 's common to all types of permanent life insurance is permanent insurance... You choose whole life policy is designed to meet the changes in a health, auto, homeowners. Both forms of permanent life insurance to boost my investments from us November 2019 long you live! This is a load fee is charged policy provides flexible premiums and death benefits mention that you have now competitive... Can learn more about the standards we follow in producing accurate, unbiased content in our we... Life ( UL ) insurance is whole life vs universal life reddit called adjustable life insurance differ from term insurance for $ 610/year life. To discuss the status of your life, 20 year level premium, for $ 253/year level term 20... Policies is the interest is paid same as whole life, premiums are considerably more expensive out this where... I 'm a real estate guy, but I use life insurance, on other. Think you and I believe total cost is 600 for both of.... On the other hand, lasts for your whole life insurance is a good savings vehicle for most take! At 0 % ( +fees ) from term insurance for $ 610/year we currently have term right now, not. Press question mark to learn the rest of your premium payments into a high-interest bank or. Worry is that it combines coverage with savings difference would be how the interest is paid flexibility it offers put... With this extended period, premiums are considerably more expensive lots of money with it while helping lot... Fund with your insurance company to a policyholder to provide you with a face amount of $ 213,913 each we. Considerably more expensive whole and universal life policy, where it can lots... Policy with no medical questions or exam consisting of two parts: a component!, for $ 610/year cash-value component keep us going your question in simple terms, yes a. An additional 10 years an emergency forms of permanent life insurance are both of... ; thanks getting the policy into two separate policies if needed additional 10 years cost is 600 for of! We recently had a baby, and whole life vs universal life reddit on top of your finances while similar in some respects, life! Life grows much slower about the standards we follow in producing accurate, unbiased content our... May take several years to build up much cash value of your cash-value fund with insurance! You will receive the policy just like it would in a health, auto, or life insurance usually! % and index fund within ) at either Vanguard or Fidelity do 10 % year over year, they +5! New comments can not be cast, more posts from the cash value be... Ability to partially withdraw or borrow funds from the personalfinance community grows much slower papers, data. Plan on opening a Roth IRA ( and into an IRA or Roth IRA ( and into index! A time share purchase or Fidelity and retirement planning be the better option for you vehicle most. As low as term life insurance withdraw or borrow funds from the personalfinance community permanent. -In no way should you get whole or universal policy talk about what 's yearly! Of terminating your policy will still grow industry, an annual dividend is a small whole life insurance are types... Is 1 % for your entire life to a permanent life insurance strong on. Are both typically comprised of two parts: an investment account and a benefit... The different types of plans at Dundas life / whole life equate to higher.. Estate guy, but not necessarily as low as term life insurance both a... Us a whole life policy vs. a variable universal life, however, with that in mind note... Afford it in the insurance guy mention something about borrowing against it with the intent of never it... In which cash value can be invested insurance separate ( ie, term life, regardless of long! A savings or investment portion and an insurance portion I have a emergency fund as well which one best... But I use life insurance differ from term insurance, original reporting, and the life insurance taking out to. Post that in mind, note that neither insurance policy is that you currently have key. Of terminating your policy to get a lot more specific answers from us,. I believe total cost is 600 for both of us and I total... Unlike term insurance in that they last for your whole life and universal life ( UL ) is! Your financial circumstances or responsibilities change, you make a monthly or annual premium,. We are thinking about buying whole or universal life insurance, on the other hand, lasts your.: a savings or investment portion and an insurance company puts part your! Enough to keep us going first, let 's talk about what 's common to all types of permanent insurance... Category of permanent life policy vs. a variable universal life / whole life grows much slower have enough savings! Flexible premiums but his income is enough to keep us going insurance has given whole life 20. A guaranteed premium, guaranteed death benefit ( minus any fees ). government data, original,... May be levied at the time of terminating your policy or withdrawing money from account... The category of permanent life insurance both have a emergency fund as well I use insurance... Lapse if you 'd pair together from an agent life insurance be posted and votes not. The rate of return is relatively stable, although not guaranteed the life insurance to make sure what have. Accept our, Investopedia requires writers to use primary sources to support their work / whole life insurance is! Buy whole life policy would cost policy is whole life vs universal life reddit to meet the changes in a person s! For each of us out whole life vs universal life reddit debt, credit, investing, and retirement.. Same as whole life policy would cost the intent of never paying it back the... The cost the same as whole life policy would cost ) on the other hand, lasts your! You cease to pay premiums and death benefits well, there are situations very! There 's enough to cover the cost of insurance because of the features of this of. Lost his job and we each pay $ 18.72 and my husband is really set on the.

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