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Universal Life Insurance

Universal Life Insurance is a flexible life insurance policy.
Universal Life Insurance lets you vary your policy premium payments and adjust the face amount of your life insurance coverage. 
Universal life insurance contracts became of age in the early 80's when interest rates were high and traditional policies were limited to lower interest rates of return. Not only did the public want a higher rate of return on their policies, they also sought greater flexibility. Consumers want the protection provided by traditional policies, but moreover want:
  • get a quote  the flexibility to change the death benefit amounts
  • get a quote  higher interest rates credited to their policies
  • get a quote  the flexibility to increase or decrease the face amount of the insurance policy.

Cash Values are the total premiums that are paid for the policy less the deductions for expense charges and the cost of insurance. The remaining premiums paid for the universal life insurance go into a policy account that earns interest.

If your universal life yearly premium payment plus the interest your account earns is less than the charges, your universal insurance account value will become lower. If it keeps dropping, eventually your universal life insurance coverage will end. To prevent this, you may need to start making premium payments, or increase your premium payments, or lower your death benefits.

This policy is similar to whole life insurance. Again, the value of this type of policy is in its flexibility. Both the face amount of death benefit and the premium payments are flexible. The death benefit can be increased but is subject to insurability or decreased without surrendering the policy. 

A range of premium payments can be made to the policy, from a minimum amount to a maximum amount allowed by internal revenue rules. It has the potential for greater cash value growth then whole life if interest rates remain high through the life of the policy.

The policy shifts some of the risk for maintaining the death benefit to the insured. The policy will lapse; that is, the death benefit will no longer be in force, if the cash value or premium payments are not enough to cover the cost of insurance. In a whole life policy, as long as every premium payment is made, the death benefit is guaranteed to be paid if the insured dies.

Even if there is enough in your policy account to pay the premiums, continuing to pay premiums yourself means that you build up more cash value. Annual statements are supplied for each policy to the policy holder that illustrate the current status of the policy account.

As with traditional policies, this type of  policy allows for tax-favored cash value buildups and income tax free proceeds at death. Please keep all of these issues in mind when making your decision as to which type of policy to purchase.


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Lewis Fink is licensed as a term life agent offering term life quotes in the following states: Term life quotes for:
Alabama - AL,  Arkansas - AR,  California - CA Colorado - CO Connecticut - CT Delaware - DE District of Columbia - DC,  Florida - FL, Georgia - GA Idaho - ID Illinois - IL Indiana - IN Iowa - IA Kansas - KS Kentucky - KY Term quotes for: Louisiana - LA,  Maine - ME Maryland - MD Massachusetts - MA,  Michigan - MI Mississippi - MS Missouri - MO,  Montana - MT Nebraska - NE New Mexico - NM, New Jersey - NJ New York - NY,  North Carolina - NCTerm quotes for: North Dakota - ND,  Ohio - OH Oklahoma - OK Pennsylvania - PA, Rhode Island - RI South Carolina - SC,  South Dakota - SD,  Tennessee - TN Term quotes for: Texas - TX,  Utah - UT Vermont - VT Virginia - VA, and Wisconsin - WI.  

We offer term quotes for 5, 10, 15, 20, 25, and 30 year term periods. Our universal life products can be quoted to cover a term of up to age 120. Not all term product quotes from all term companies quoted are available in all states.

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