Whole Life and Universal Life Insurance Quotes

Whole life and Universal Life insurance are forms of permanent insurance. Unlike term insurance, if these plans are structured properly, they remain in force for the lifetime of the insured.  Whole Life and Universal Life Insurance build cash value. The insured can borrow against the cash value of a policy in the event of an emergency.   Get a quote now.

These plans are best purchased when you are young. Rates are more than for term life insurance and can be quite expensive after the age of 40. Whole life insurance and Universal life usually offer level premiums for the life of the policy.  It is also possible to structure your policy so that you only pay premiums for a certain number of years.

This option is more costly than paying a level amount forever.  However, for planning purposes, this is a valuable feature, since most people don't want to pay a large amount of money during their retirement years.

If you are interested in this type of coverage it is extremely important that your policy have a "no lapse" guarantee built into the plan.  This is a contractual obligation given by the insurance company that as long as you pay your premiums on time, your coverage will never lapse, regardless of how low interest rates drop.

The reason this feature is so important is that many agent sell these plans based on an "assumed" rate of interest.  Illustrations with an assumed rate of interest are basically worthless because if the rate you earn ever drops below the assumed rate the cash value will not increase as illustrated.

Nevertheless, whole life and universal life insurance plans with no lapse guarantees can satisfy a multitude of financial goals, from estate preservation to estate liquidity to college funding for children.  They also make wonderful gifts for grandchildren.

Whole Life and Universal Life insurance Policies offer:

• Accumulation of Cash Value
• Insurance is Permanent
• Can borrow against cash buildup in emergencies
• Premiums remain level

Whole Life & Universal Life Quotes

Name First Name: Last Name: Insurance Requested Type of Insurance: Select Type Term Insurance Whole Life Single Premium Burial Insurance Amount Requested Select Amount Burial, 5000 to 25000 100,000 150,000 200,000 250,000 300,000 350,000 400,000 450,000 500,000 550,000 600,000 650,000 700,000 750,000 800,000 850,000 900,000 950,000 1,000,000 1,100,000 1,200,000 1,300,000 1,400,000 1,500,000 1,750,000 2,000,000 3,000,000 4,000,000 5,000,000 Purpose: Select Purpose Family's security after death Replace Existing Insurance Supplement Policy from work Payoff Mortgage and Debts Child's Education Estate Planning/Taxes Build Cash Value Length of term: Select Length 30 years 25 years 20 years 15 years 10 years 5 years Whole Life Personal Information Date of Birth: 01 02 03 04 05 06 Month 07 08 09 10 11 12   01 02 03 04 05 06 07 08 09 10 11 12 13 14 Day 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31   1910 1911 1912 1913 1914 1915 1916 1917 1918 1919 1920 1921 1922 1923 1924 1925 1926 1927 1928 1929 1930 1931 1932 1933 1934 1935 1936 1937 1938 1939 1940 1941 1942 1943 1944 1945 1946 1947 1948 1949 1950 1951 1952 1953 1954 1955 1956 1957 1958 1959 Year 1960 1961 1962 1963 1964 1965 1966 1967 1968 1969 1970 1971 1972 1973 1974 1975 1976 1977 1978 1979 1980 1981 1982 1983 1984 1985 1986 1987 1988 1989 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 Gender: Select Male Female Address: City: State: Select State Select State Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington Washington D.C. West Virginia Wisconsin Wyoming Zip Code: Phone:  -  -    Ext.  Best time to call: Choose Time 7 A.M. to 9 A.M. 9 A.M. to 11 A.M. 11 A.M. to 1 P.M. 1 P.M. to 3 P.M. 3 P.M. to 5 P.M. 5 P.M. to 7 P.M. 7 P.M. to 9 P.M. 9 P.M. to 11 P.M. Alternate Phone:  -  -    Ext.  Best time to call: Choose Time 7 A.M. to 9 A.M. 9 A.M. to 11 A.M. 11 A.M. to 1 P.M. 1 P.M. to 3 P.M. 3 P.M. to 5 P.M. 5 P.M. to 7 P.M. 7 P.M. to 9 P.M. 9 P.M. to 11 P.M. Fax Phone: Email Address: Health Information Tobacco Use: Select None, Ever None in last 5 years None in last 3 years None in last 1 year Pipes and cigars only Cigarettes Nicotine patches and gum Height 4"8" 4'9" 4"10" 4'11" 5'0" 5'1" 5'2" 5'3" 5'4" 5'5" Select 5'6" 5'7" 5'8" 5'9" 5'10" 5'11" 6'0" 6'1" 6'2" 6'3" 6'4" 6'5" 6'6" 6'7" 6'8" 6'9" 6'10" 6'11" 7'0" 7'1" 7'2" Weight lbs. Have you EVER been treated for cancer, diabetes, or cardiovascular disorders in your life? If yes, please describe Have parents or siblings been treated for cancer, diabetes, or cardiovascular disorders prior to Age 60? If yes, please describe What medications are you taking? If yes, please give dosage and frequency Have you had 2 or more moving violations in the last 2 years or any DUI's in the last 5 years? If yes, please describe Amount of Current Life Insurance: Current Life Insurance Companies: Current Monthly Life Premium: Will new policy replace present insurance: Yes    No Comments or Questions