What is universal life insurance?

Universal life insurance is the perfect product for anyone who wants to guarantee benefits for their entire life, all the way up to age 121 with most companies.  While term life insurance   is only guaranteed for a period of 10, 15, 20, or 30 years, universal life premiums are guaranteed to never increase, and your death benefit will never decrease for all UL policies sold by TermInsuranceBrokers.com.  We offer universal life insurance that features a No Lapse Guarantee to give you permanent coverage at the lowest possible cost.  Check out our section on universal life versus term insurance for more information.

What is the difference between universal life insurance and whole life insurance?

Universal life is a hybrid between term life insurance and whole life insurance.  A universal life policy will guarantee the maximum death benefit for the lowest possible premium, and is much less expensive than a whole life policy with the same death benefit.  While universal life will generate a cash value, it will generally not accumulate as much cash value over the life of the policy as a comparable whole life policy – it is essentially term insurance to age 121, with the emphasis on a larger death benefit instead of greater cash value.

How can I get an instant quote
for Universal Life Insurance?

Just click the banner at the top or bottom of the page to get an instant quote in less than 30 seconds! You can also give us a call at 1-800-571-2980 from 9 AM to 9 PM Eastern Standard Time or send us an e-mail at Info@terminsurancebrokers.com 24 hours a day.