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Universal Life Insurance
Life Insurance Comments
- If you're having a tough time getting by on your salary now, how well do you think your family will get by without it?
- The only thing worse than a home without a mother is a mother without a home, isn't it?
- You can say, "I don't need it", but can you say "my family won't need it"?
- The most valuable asset that a father can leave his children is their mother's full time care, isn't it?
- More good things are lost by indecision than by wrong decision, aren't they?
- Someone always pays for life insurance, whether a man buys or not; the question is, who....the man or his family?
- Wives may not believe in life insurance, but widows always do.
- Life insurance is a shield to meet the blow that you can't see coming isn't it?
- You would certainly give your life for your children, so why not insure it for them?
- Have you ever met a widow who said that her husband had too much life insurance?
- Life insurance is the only plan that will guarantee a known sum at an unknown time.
- You haven't needed it (life insurance) yet? Do you carry a spare tyre in your car? Do you own an umbrella? Do you check for the parachute in the aeroplane?
- The worst time for a wife to become a breadwinner is when she first becomes a widow.
- If you wouldn't like to live the rest of your life on the face amount of your present insurance, how do you expect your wife to?
- Income is provided for a widow or by her isn't it?
- Losing a father is bad enough, inheriting a part time mother makes it worse, doesn't it?
- You can put me off, but you can't put my competitors off - death and disability.
- Life insurance won't keep people from dying, but it will keep their plans from dying with them.
- It isn't easy to be old or poor, but it's a great deal worse to be both.
- Whatever reason you may have for not starting this plan now will only sound ridiculous to your widow.
- Just because you stop working doesn't mean you stop loving your wife, children & grandchildren. That's why you have permanent life insurance isn't it?
- No person ever dies at the right time, do they?
- A person needs credit to live, but their family needs cash when they die, don't they?
- You may last longer than your money
- No debt should last longer than the person who created it, should it?
- If you buy insurance or not, in the end someone will pay for it.
- Life insurance is time. The time you might not have. If you need time you need life insurance.
- Your wife should be left something that will take care of her - not something she will have to take care of, shouldn't she?
- If you had a goose that laid golden eggs, would you insure the eggs or the goose that laid them?
- Life insurance? Anybody who doesn't believe in it ought to have the right to die without it at least once.
- Sometimes the biggest price in the world is doing nothing. A lot of people do nothing wrong; they just do nothing. That's what's wrong.
- If it were free how much insurance would you like?
- Do you know anyone who has died who had too much insurance?
- If you were to die because of some one else's negligence, how much would you want your family to sue for? Should they have any less if you die by other means?
- If you were not here could you pay for all of your children's higher education or just a percentage of it?
- What assets would your executor have to sell up to allow your wife and children to keep living in their current lifestyle?
- Are you aware of your most valuable asset and do you know how much income it is capable of producing in your lifetime?
- One ordinary father can support four children, but it takes four extraordinary children to support one father.
- A life insurance person brings no financial problem to any prospect, they only bring the solutions.
- If every wife knew what every widow knows, every husband would be insured for more, wouldn't they?
- I can understand your hesitation to pay the $800 premium. You may feel that you are making a mistake. Would you rather make an $800 mistake or a $250,000 mistake?
- Do you want your bank to have first call on your estate?
- If your family was in Financial Free Fall, wouldn't it be nice to know we could provide the Parachute?
- If you weren't here, who would you want to take care of your obligations?
- Which is harder for a widow? Being unprepared or being unfunded?
- Do you see your family being disadvantaged by the unknown or being disadvantaged by being unfunded?
- If I could deliver you a guaranteed amount of money for a specified event at an unknown time in the future, would you be interested?
- Your insurance should compensate for an event, not encourage it's occurrence.
- If you knew you were going to die tomorrow, how much insurance would you demand of me?
- You don't buy insurance because some one may die; you buy it because families and people keep on living, don't you?
- If you don't protect your income, how will you be able to pay for or afford your other insurances?
- How would your family be affected if you couldn't work for 2 years?
- Which is more important to your wife? The size of your overdraft whilst you're alive and well or getting rid of the overdraft when you are not here or are unwell?
- Are you leaving your family an asset or the asset and a liability?
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Understanding Universal Life Insurance Policy
Most people are familiar with the two broad categories of life insurance – term life insurance, which provides a death benefit but only for a limited period of time, and whole life insurance, which offers a death benefit regardless of how many years pass between the time you buy the policy and the time that you die. In the early 1980s a new variety of whole life insurance emerged, called universal life insurance.
Understanding universal life insurance policy is easy. A universal life insurance policy, like every whole life policy, has a death benefit and a cash value as well. But a universal life policy differs in that the cash value part of the policy is invested in fixed income securities, stock mutual funds and the performance of those investments possibly can lead to much larger cash value and to a much greater death benefit.
Another difference between universal life insurance and other types of whole life insurance is the flexibility of premiums. Universal life insurance policies permit policy holders to adjust the amount of premiums they pay – more premiums lead to greater death benefit, and possibly, to greater cash value. Lower premiums, of course, lead to a lower death benefit. That is why another name for universal life insurance is "flexible premium adjustment life insurance."
The flexibility of a universal life insurance policy is attractive to many people. But because the policies are more complex than term life insurance or other whole life insurance policies, it’s often difficult to compare universal life insurance policies on your own when you’re trying to decide between term life and universal life or between universal life and another type of whole life insurance.
It’s best to work with a expert and to get various universal life insurance policies like variable, equity indexed or guaranteed universal life insurance quotes and policy information from a number of reputable universal life insurance companies. The types of universal life insurance products vary from insurer to insurer, and some policies require medical examinations, while other universal life insurance products are available with no medical exam – just a few medical questions.
Be sure that you also understand the death benefits of a universal life insurance policy. These policies give you two choices of death benefits. One option is to have the death benefit paid out of the policy’s cash value – the more money your account has, the higher the death benefit will be. Another least expensive universal life insurance policy option is to choose a policy that pays a death benefit based on the face amount.
We’ve eliminated the hard work of finding the best and most affordable universal life insurance policies! We leverage technology to bring you the low universal life insurance rates and the best universal life insurance policies, from insurance companies you can count on to be there when you need them.
Take the first step today, and request a universal life insurance policy quote online. We’ve taken the hard work out of requesting, comparing and purchasing universal life insurance plans. No agents or brokers visit and annoying phone calls – just the right universal life insurance policy, at the right premiums for you and for your family! Call toll free (800) 912-4521 to speak with an universal life insurance expert.