Mar 8, 2009 Life Insurance Quotes
At Insurance Globe, you will find one of the largest selections of no-lapse universal life insurance quotes on the web. No-lapse universal life Insurance provides you with a guaranteed lifetime death benefit, a predictable premium and payment schedule. No-lapse universal life insurance also has a flexible premium just in case your financial needs change in the future.
Just choose a death benefit level and make your regular planned premium payments knowing that your death benefit is guaranteed. You beneficiaries will receive a death benefit that generally avoids probate and is received free of state and federal income taxes. If structured properly, it may also be distributed free of estate taxes.
One of the nice things about universal life insurance, is that it has a flexible premium. If your financial situation changes, you can adjust your premium payments or increase or increase or decrease your death benefit. Some companies even allow you to make catch-up payments to restore your policy to it’s original guarantee period.
You can also access policy cash values through withdrawals or loans. Some policies even allow you to access part of the death benefit under certain conditions. Some companies even guarantee that if you surrender your policy after the surrender charge schedule, they will return a percentage of your premium as high as 100% in some cases.
So, if you are looking for a policy that is guaranteed for the rest of your life no matter how long you live, universal life insurance may be the right choice.
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