We do the shopping so you save. Here's a comparison of Whole Life insurance costs among different companies to help find the best final expense insurance rate available. We offer Whole Life Insurance, Final Expense Insurance that require no health exam, guaranteed coverage and creates cash value. These policies come with fixed premium which never goes up and policy can never be cancelled except non-payment of premium. Some policies come with PAID UP feature where your coverage stays in force for the rest of your life without having to pay another single premium. If you haven't checked with us, you are probably paying more. Call today to find how much we can save on your insurance.
Life insurance provides funds for the loved ones in the event of insured's death. It is a contract with an insurance company that promises to provide an amount of money (the death benefit) to the beneficiary(s) upon the insured's death. In return, payor pays a premium, periodic payments to the insurance company.
Your policy's death benefit can fund your dependent's need for a long time after you're gone. Whether you buy life insurance to cover final expense, mortgage, income replacement or children's education, you're making a long-term commitment. That's why it is very important that you know exactly what type of life insurance and how much coverage you're buying and get the right advice from people who knows. Before buying any policy, ask yourself this question: If I were to die, what would my children, spouse, or dependents need in order to continue living the same lifestyle you have provided for them?
There is no one size fits all when it comes to life insurance. Term policies are very low cost and is appropriate for coverage up to a duration when the need no longer exists. However, it doesn't provide any cash accumulation and premium may rise to an unaffordable level once the term expires. Whole life, on the other hand, may allow you to pay when you're working making money and pay none when retired with fixed/less income. We at Universal Insurance Agency work with each individual need and look for better rates from multiple top rated life insurance carriers in the nation to find you the best coverage money can buy; contact us today for an anonymous quote to compare with what you may already have.
You have a spouse
You are a parent
You have a sizable estate
You own a business
You Have an Aging Loved One Who Depends on Your Income
Your Retirement Savings Are Not Enough to Insure Your Future
Your Income Is Necessary to Maintain the Family Household
Your Dependents May Have many other Financial Problems
You Have Bills, Car Loan, or a Mortgage
Your Family Depends on Your Income to Live