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What is Universal Life Insurance?
Universal Life Insurance, or UL, is a type of permanent life insurance coverage that includes both a death benefit and a cash value component. While this may sound similar to whole life insurance, it is actually much more flexible.
One reason for this is because the policy holder is able, within certain guidelines, to move funds between the insurance and the cash components of the policy. They may also be able to change the timing of when their premium is due based on their life’s changing needs.
In addition, unlike with a whole life policy, a UL policy will allow the policy holder to use the interest from the cash value savings to actually help in paying the policy’s premiums.
The Cheapest Way to Get Permanent Coverage
Universal life insurance is the cheapest way to get coverage that lasts throughout your entire life.
This form of life insurance protection is not only flexible, but it can help you to attain
various financial goals in life, such as supplementing retirement income and paying off debt.
Pros and Cons of Universal Life Insurance
Universal life insurance has several “moving parts,” so it’s important to understand both the advantages and the considerations prior to moving forward in order to determine whether this is the right type of coverage for you.
While there are many benefits associated with having universal life insurance, there are also several factors to consider prior to moving forward with a purchase in order to ensure that this is the right type of coverage for you. These criteria can include:
Why Buy a Universal Life Insurance Policy With Us?
When seeking the right UL policy for your needs, we can help you find the best match. Regardless of whether you’re more concerned with cash value growth or low premiums, there’s a UL plan that’s right for you.
We work with over 40 life insurance carriers – so we can provide you with all of the information that you need to compare policies, benefits, and premium quotes – and from there, to decide on the plan that best fits with your specific needs.
We’re independent agents, so we aren’t locked into working with just one carrier. Once you’ve narrowed down your goals, we find the policy and the carrier that’s right for you – not the other way around. So, give us a call today.