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Universal Life Insurance

A Flexible Policy That Allows Changes Throughout Your Lifetime

During your lifetime, with a universal life insurance policy, you may be able to raise or lower your premium or coverage amounts. Universal life insurance policies also feature tax-deferred savings, which can build wealth over time.

The Benefits of Universal Life Insurance

When planning for your loved ones futures, having the right life insurance is crucial. There are many benefits to universal life insurance such as its investment opportunities, dual coverage and guaranteed death benefit.

Investment Opportunity

With the option to invest professionally, you can potentially accumulate cash value.

Dual Coverage

Survivorship universal life covers two individuals under one policy, which works well for situations where the proceeds are used to pay estate taxes.

Guaranteed Death Benefit

With a guaranteed universal life policy your beneficiary can receive a guaranteed death benefit for a specific period of time.

Do You Have A Question?

Reach Out And I Will Answer All Of Your Insurance-Related Questions.

Navigating different insurance policies can be tricky. I am here to help answer any questions and find the perfect policy for you. Utilize the form to contact me and I will give you a call or email to discuss your options.

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More Information Regarding Universal Life Insurance

Universal life insurance is the perfect option for people who are looking for extra benefits with their policy. This type of life insurance policy is designed to protect you for a lifetime. With its possibility to build cash value, it can become a flexible financial planning tool. If you are looking for a policy that can assist with paying for college tuition or supplementing retirement income then universal life insurance could be the best choice for you!

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Do The Math

Determining how much life insurance you need shouldn’t be a difficult process. Utilize the whole life insurance calculator to get an estimate of how much insurance you may need. To get started you will need to look at how much money your family may need and any resources that may be available to them upon your death. If you have any questions, please reach out to me at (208) 509-7495 and I will walk you through the process.

Frequently Asked Questions

Learn How it Works!

What are the different types of universal life insurance?

There are many types of universal life insurance policies, such as indexed universal life insurance, variable universal life insurance, guaranteed universal life insurance, survivorship universal life insurance and first-to-die life insurance.

What is survivorship universal life insurance?

This type of policy covers two people under one policy. This policy is optimal for estate planning situations in which the proceeds are used to pay estate taxes since the benefit is paid out after the second insured dies.

What is the underwriting process?
To be approved for a term life insurance policy you must meet specific requirements. My process helps make sure that your premium payment is customized to you. For example, I may ask for a verification of income, a motor vehicle report and for you to complete a general physical exam.
What is the difference between universal and whole life insurance?

The main difference between universal and whole life insurance is that universal life insurance provides more flexibility in regards to adjusting premiums and death benefits.

Get Started

Give me a call today to find the right policy for you and your loved ones.

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