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Cheap Universal Life Insurance Quote
Variable Universal Life Insurance, Universal Life Insurance Quote

Universal Life Insurance is a flexible-premium, adjustable benefit life insurance policy that accumulates account value. The flexibility of this policy allows you to change the amount of insurance as your needs for insurance change. Some changes require underwriting approval. As with all life insurance, the main purpose for buying a Universal Life insurance policy is the death protection provided to your loved ones at your death. If you're looking for a way to combine life insurance death benefit protection and cash value accumulation with flexible terms under one policy, fixed universal life insurance policies can provide the flexibility you desire. Within certain limits, fixed universal life insurance lets you adjust when and how much you pay in premiums. You also can adjust the amount of your insurance coverage in later years, although increases in coverage may require additional evaluation of your health and other factors at that time. You affect the accumulation of cash values through the amount and timing of your premium payments. We have assembled some of the finest and cheapest sources on universal life insurance and variable universal life insurance quotes. The process is very simple - answer just a few questions and get instant and cheap Universal Life Insurance Quotes from several leading and reputed life  insurance companies!

 
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More About Universal Life Insurance: Fixed universal life insurance policies have flexible premiums. A part of each premium payment is used to cover mortality costs and other administrative charges needed to support the policy. Premium paid that exceeds those costs is contributed to the cash value in the policy. Therefore, the amount of the policy cash value, if any, is directly related to the level of premium payments the policyholder chooses to make. Cash values in the policy are credited with both a guaranteed and non-guaranteed interest rate. The guaranteed crediting rate is usually between 2% and 3%, depending on the policy. Non-guaranteed crediting rates vary over time. They are determined by the insurance company and are based on the returns the company earns on its own investment portfolio. Paying a minimal premium may result in the early termination of the death benefit (the policy lapses) and no cash value accumulation. Paying a high premium amount may result in a guaranteed death benefit for life and significant accumulation of cash value.

Cheap and affordable instant online insurance quotes for Universal Life Insurance are available for the following states in USA: Alabama - AL, Alaska - AK, Arizona - AZ, Arkansas - AR, California - CA, Colorado - CO, Connecticut - CT, Delaware - DE, District of Columbia - DC, Florida - FL, Georgia - GA, Hawaii - HI, Idaho - ID, Illinois - IL, Indiana - IN, Iowa - IA, Kansas - KS, Kentucky - KY, Louisiana - LA, Maine - ME, Maryland - MD, Massachusetts - MA (except Auto), Michigan - MI, Minnesota - MN, Mississippi - MS, Missouri - MO, Montana - MT, Nebraska - NE, Nevada - NV, New Hampshire - NH, New Jersey - NJ (except Auto), New Mexico - NM, New York - NY, North Carolina - NC, North Dakota - ND, Ohio - OH, Oklahoma - OK, Oregon - OR, Pennsylvania - PA, Rhode Island - RI, South Carolina - SC, South Dakota - SD, Tennessee - TN, Texas - TX, Utah - UT, Vermont - VT, Virginia - VA, Washington - WA, West Virginia - WV, Wisconsin - WI, Wyoming - WY. Also find Universal Life insurance quotes  for all of USA.