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How to Find Affordable Universal Life Insurance Rates

Looking for universal life insurance? Here's how to find affordable life insurance rates quickly and easily.

Universal Life Insurance

Universal life insurance is a modified, flexible form of whole life insurance. Part of your premium goes toward insurance coverage, while the rest is invested to increase the policy's cash value.

Benefits of Universal Life Insurance

Universal life insurance is the most flexible of all life insurance plans:

* It lets you choose the amount of protection you want, increasing or decreasing your coverage as your needs change.

* It lets you control the amount and frequency of your payments. If you have extra cash, you can pay more and the extra money grows tax-deferred. If you're short on cash, you can pay less and let the policy’s accumulated cash value pay the remainder of the monthly charges.

If you do decide to invest in a universal life insurance policy, be sure you plan to keep the policy for at least 15 years. It will usually take that long before you are eligible for any return on the policy.

Affordable Universal Life Insurance Rates

When you buy life insurance, you want a policy that will take care of your family’s needs without costing an arm and a leg. The easiest way to find affordable universal life insurance is to go to an online comparison website.

Once there you'll be asked to fill out a simple form that will allow you to tailor you life insurance to your needs. You'll get fast quotes from multiple companies, then you can choose the best rate.

Some websites even offer a chat feature that lets you talk online with an insurance expert and get answers to all your questions (See link below.)

Get the Company's Rating

You're counting on your insurance company to take care of your family in case of your death. Therefore, you want to choose a company that's safe and reliable. Before you decide on a company, go to the A.M Best website ( to check the company's financial rating.

Visit or click on the following link to get affordable universal life insurance rates from top-rated companies and see how much you can save. You can get more insurance tips in their "Articles" section.

The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written numerous articles on affordable universal life insurance rates.