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Looking for Universal Life Insurance?

Universal life insurance is a type of cash value insurance. The premiums are paid in your policy’s account value, where it earns interest. Every month, deductions are taken from the account to pay the life insurance premiums. You can make withdrawals or take loans from the account as needed. The policy will remain in place as long as there are enough funds to cover the monthly premium. It is a flexible plan that allows you to raise or lower your coverage based on your current needs.

Universal life insurance is typically used to provide income loss, cover mortgage payments, and educational expenses. It can also be used to access cash value when needed and for an estate, special needs, or business planning. To find out how much universal life insurance you need, use our calculator.

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Benefits of Universal Life Insurance

Insurance for Life

Universal life insurance is great for those who want to be covered for their entire lifetime. With term life insurance, you are likely to have to buy another policy later. The flexible premium costs allow you to have coverage all the time for the price you can afford.

Cash Value Builds

A universal life insurance cash value builds differently than a whole life policy. The interest rate is set at a minimum in your contract. If the life insurance company’s portfolio outperforms the minimum interest rate, the extra earnings may be applied to a cash value.

Cash Value Could Pay Your Premiums

If you get yourself into a hard financial situation and aren’t able to pay your premiums, your cash value could be large enough to pay your premiums for you. Make sure you have enough in your cash value before stopping payments.

Policy is Adjustable

With other life insurance plans, the premiums remain the same no matter how much coverage you need at the time. With universal life insurance, you can adjust your monthly payments depending on how much coverage you need.

Options for Death Benefit

You have two options when it comes to your death benefit. You can get the fixed amount or an increasing death benefit equal to the face value of your policy, plus your cash value amount.
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