Guaranteed universal life insurance to age 100 provides you with a a guaranteed death benefit to age 100 and premiums that are guaranteed to never increase through age 100 as long as you pay your premiums on time.  If you are concerned about what will happen after your 10, 15, 20, 25 or 30 year level term policy reaches the end of the level term period and you would like to keep your coverage through age 100 without premiums that increase every year, then you should consider buying a guaranteed universal life insurance policy.

Below are our best guaranteed universal life insurance rates to age 100 for a female age 44:

If you have an old universal life insurance policy with cash value, you may want to look at your annual statements to see when the policy is scheduled to lapse.  We have found while doing life insurance reviews, that most people don’t look at their annual statements and have no idea when their policy is going to expire.  They usually get their statements in the mail and don’t really look at them and the agent that sold them the policy many years ago has never called them to review their policy and make sure that it is performing as expected.  Most universal life insurance annual statements will tell you when your policy is going to lapse if you continue paying the same premium and some will also tell you when the policy will lapse if you pay no further premiums.  The good news is that you may be able to transfer the cash value in your old universal life policy that has no guarantees to a new universal life policy with guarantees and actually pay less than what you are currently paying.  If you would like us to review your current life insurance policy, please call us at 1-888-950-TERM.

Click here to get your universal life guaranteed death benefit quotes today or you can call us at 1-888-950-TERM (8376).

One of the most common reasons people buy life insurance is for income replacement.  PacLife has a handy insurance calculator that you can use as a guide http://www.pacificlife.com/Channel/Educational+Information/Calculators/How+much+life+insurance+do+I+need.htm

Life insurance is nothing more than a contract with an insurance company that promises to pay a specified amount of money to your designated beneficiaries upon your death.  In exchange, you agree to make periodic payments to the insurance company called premiums.  How much your premiums will be depend on several factors such as your age, gender, smoking status, height and weight, health, lifestyle and the amount of life insurance.

You can get a preliminary quote by filling out our quote request form.