Universal Life Insurance – An Easy to Follow Reference Guide

Universal life insurance is like to term life insurance, but adds a cash value component.

So, part of each premium goes towards the cost of insurance for the policy, and the remainder goes into a cash value account inside the policy.

There several kinds of universal life insurance policies:

  • Hybrid Universal Life
  • Guaranteed Universal Life
  • Adjustable Universal Life
  • Variable Universal Life

Whether you have coverage now, or are considering new universal life coverage, you can learn more about each topic by selecting one of our links for more detailed information.

Universal Life Insurance Reference Guide

Convertible Term Life Insurance

Convertible Term Life Insurance – Easy Conversion Options

Convertible term life insurance allows active policyholders to extend or convert to permanent coverage with no questions asked. If you have an active convertible term insurance policy you have taken a major step towards securing your family’s future. However, most people outlive their initial term coverage without realizing that the

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Adjustable Life Insurance

Surprise Ending for Adjustable Life Insurance – 2 Step Rescue Plan

Did you purchase flexible premium adjustable life insurance policy in the 1980s or early 1990s? You may have received a letter from your insurer claiming that your adjustable life insurance policy is not performing as originally illustrated. Policyholders getting these notices are usually required to contribute additional premiums to prevent

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Survivorship Life Insurance

Survivorship Life Insurance – Easy Estate Planning Guide

Many wealthy people use survivorship life insurance, also known as “second-to-die life insurance”and “joint survivor life insurance to protect their estate. A survivorship life insurance policy is set up to insure married couples, and does not pay out until the surviving spouse dies. Survivorship life insurance allows wealthy couples with

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Universal Life Insurance Quotes

If you already have a general knowledge of the type of universal life policy you are looking for use Instant Life Insurance Quote for a quick premium quote.

You calculate the premiums for universal life by electing the age you wish to guarantee your coverage. (i.e age 90, 95, or 100)

These popular life insurance polices are always customized to your unique needs and budget.

If you need assistance in your search, please do not hesitate to call us 1-877-249-1358.