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It only takes a few minutes to complete our brief questionnaire. Compare up to five FREE insurance quotes. You are under no obligation to purchase anything. Let us be your one-stop-shop for insurance. We know you have other things competing for your time. Finding an affordable life insurance quote won’t be one of them. |
| Short tips of the day about Life insurance:
What is universal life insurance? Universal life is neither whole life or annual renewable term. It is a distict animal all it's own. The basic premise in universal life is that the cost of insurance for younger ages can (and should) be overfunded. This amount of overfunding is the cash value. The benefit of this strategy is that the cash value can grow at a modest market sensitive interest rate and can accumulate to a point where the internal cost of insurance can be subsidized by this cash value when the premiums are insufficient to pay for the COI. Based on the future experience of the crediting interest rates, a reasonable approach can be taken to increase or decrease premiums as required to keep the policy in force for a specified period of time. |
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