Free Estimates

Find and assess the most ideal prices from top national and localized Life insurance providers near you, for free.


Straight Forward Strategy

Only submit your Zip Code and contact details to obtain estimates from top companies in no time.


Quick Results

Do a comparison of all the leading companies and uncover the best prices, with no junk mail. Our very own strategy is quick, safe and instantaneous.

Choosing Universal Life Insurance in Arizona

How Universal Life Insurance Works in Arizona

With Arizona universal life insurance, you get to choose when you pay your premium payment and how much you pay (according to federal tax law limitations). There is a minimum premium that is determined by premium taxes, the base cost of the policy, and the expenses of the insurance company. The sales expenses and premium taxes will be deducted as you make your payments. The rest of the premium goes towards your cash value. That cash value earns interest as stated in your policy. You will also earn more interest when the company earns more than your guaranteed rate. You are able to take out loans or withdraw from your cash value.

Primary Features of Arizona Universal Life Insurance

The primary features of universal life insurance in Arizona include the tax-deferred cash value growth, fixed interest rate, tax-free death benefits, permanent life-long insurance protection, access to cash value, and flexibility in adjusting your death benefit and premium payments.

Comparing Your Options

It's a good idea to compare your Arizona life insurance options before choosing universal life insurance. Other options include term life insurance and whole life insurance. When you call 888-304-7775, our Universal Life Insurance Pros customer service representatives can help you to compare the options one-on-one.

Just call Universal Life Insurance Pros today at 888-304-7775 to get your free life insurance quotes right away!

Universal Life Insurance in Arizona

Universal Life Insurance vs. Term Life Insurance

Term life insurance is less expensive than universal life insurance. However, it is not a permanent policy as universal life insurance is. Term life insurance is designed to cover you for a specific term rather than for your whole life. It does not accumulate cash value, and your coverage ends at the end of the term.

Universal Life Insurance vs. Whole Life Insurance

Whole life insurance is more expensive than universal life insurance. It is another life-long coverage policy with tax-deferred cash value that allows for loans and withdrawals. This form of life insurance also comes with more guarantees than universal life insurance, but it is not flexible. You won't be able to increase or decrease your premium and your interest on cash value will be less than with universal life insurance. You do get guaranteed interest rates, death benefits, and premium payments.

How do You Choose?

When it comes to choosing which Arizona life insurance policy is best for your needs, it helps to speak with one of our Universal Life Insurance Pros customer service representatives. You can discuss your goals, budget, and the advantages and disadvantages of each policy as it relates to you. If your budget is too small for universal life insurance, then term life insurance can act as a temporary solution to your insurance needs. If you prefer the guarantees and zero surprise nature of whole life insurance, and if you can afford to pay more, then this might be your best option. However, if you want more flexibility in a life-long policy with cash value access, then universal life insurance is likely your best bet.


Cities we serve

img Aguila, AZ img Ajo, AZ img Alpine, AZ img Amado, AZ img Anthem, AZ img Apache Junction, AZ img Arivaca, AZ img Arlington, AZ img Ash Fork, AZ img Avondale, AZ img Bagdad, AZ img Bapchule, AZ img Bellemont, AZ img Benson, AZ img Bisbee, AZ img Black Canyon City, AZ img Blue, AZ img Blue Gap, AZ img Bouse, AZ img Bowie, AZ img Buckeye, AZ img Bullhead City, AZ img Bylas, AZ img Cameron, AZ img Camp Verde, AZ img Carefree, AZ img Cashion, AZ img Catalina, AZ img Cave Creek, AZ img Central, AZ img Chambers, AZ img Chandler, AZ img Chandler Heights, AZ img Chinle, AZ img Chino Valley, AZ img Chloride, AZ img Cibecue, AZ img Cibola, AZ img Clarkdale, AZ img Clay Springs, AZ img Claypool, AZ img Clifton, AZ img Cochise, AZ img Colorado City, AZ img Concho, AZ img Congress, AZ img Cornville, AZ img Cortaro, AZ img Cottonwood, AZ img Crown King, AZ img Dateland, AZ img Dennehotso, AZ img Dewey, AZ img Dolan Springs, AZ img Douglas, AZ img Dragoon, AZ img Duncan, AZ img Eagar, AZ img Eden, AZ img Ehrenberg, AZ img El Mirage, AZ img Elfrida, AZ img Elgin, AZ img Flagstaff, AZ img Forest Lakes, AZ img Fort Apache, AZ img Fort Defiance, AZ img Fort Huachuca, AZ img Fort Mcdowell, AZ img Fort Mohave, AZ img Fort Thomas, AZ img Fountain Hills, AZ img Fredonia, AZ img Gadsden, AZ img Ganado, AZ img Gila Bend, AZ img Gilbert, AZ img Glendale, AZ img Globe, AZ img Golden Valley, AZ img Goodyear, AZ img Grand Canyon, AZ img Gray Mountain, AZ img Green Valley, AZ img Greer, AZ img Hackberry, AZ img Happy Jack, AZ img Hayden, AZ img Heber, AZ img Hereford, AZ img Higley, AZ img Holbrook, AZ img Hotevilla, AZ img Houck, AZ img Huachuca City, AZ img Hualapai, AZ img Humboldt, AZ img Indian Wells, AZ img Iron Springs, AZ img Jerome, AZ img Joseph City, AZ img Kaibito, AZ img Kayenta, AZ img Keams Canyon, AZ img Kingman, AZ img Kirkland, AZ img Kykotsmovi Village, AZ img Lake Havasu City, AZ img Lake Montezuma, AZ img Lakeside, AZ img Laveen, AZ img Leupp, AZ img Litchfield Park, AZ img Littlefield, AZ img Lukachukai, AZ img Luke Afb, AZ img Lukeville, AZ img Lupton, AZ img Mammoth, AZ img Many Farms, AZ img Marana, AZ img Marble Canyon, AZ img Mayer, AZ img Mc Neal, AZ img Mcnary, AZ img Meadview, AZ img Mesa, AZ img Miami, AZ img Mohave Valley, AZ img Morenci, AZ img Mormon Lake, AZ img Morristown, AZ img Mount Lemmon, AZ img Munds Park, AZ img Naco, AZ img Nazlini, AZ img New River, AZ img Nogales, AZ img North Rim, AZ img Nutrioso, AZ img Oatman, AZ img Oracle, AZ img Overgaard, AZ img Page, AZ img Palo Verde, AZ img Paradise Valley, AZ img Parker, AZ img Parks, AZ img Patagonia, AZ img Paulden, AZ img Payson, AZ img Peach Springs, AZ img Pearce, AZ img Peoria, AZ img Peridot, AZ img Petrified Forest Natl Pk, AZ img Phoenix, AZ img Picacho, AZ img Pima, AZ img Pine, AZ img Pinedale, AZ img Pinetop, AZ img Pinon, AZ img Pirtleville, AZ img Polacca, AZ img Pomerene, AZ img Poston, AZ img Prescott, AZ img Prescott Valley, AZ img Quartzsite, AZ img Red Valley, AZ img Rillito, AZ img Rimrock, AZ img Rio Rico, AZ img Rio Verde, AZ img Rock Point, AZ img Roll, AZ img Roosevelt, AZ img Round Rock, AZ img Sacaton, AZ img Safford, AZ img Sahuarita, AZ img Saint David, AZ img Saint Johns, AZ img Saint Michaels, AZ img Salome, AZ img San Carlos, AZ img San Luis, AZ img San Manuel, AZ img San Simon, AZ img Sanders, AZ img Sasabe, AZ img Sawmill, AZ img Scottsdale, AZ img Second Mesa, AZ img Sedona, AZ img Seligman, AZ img Sells, AZ img Shonto, AZ img Show Low, AZ img Sierra Vista, AZ img Skull Valley, AZ img Snowflake, AZ img Solomon, AZ img Somerton, AZ img Sonoita, AZ img Springerville, AZ img Sun City, AZ img Sun City West, AZ img Sun Valley, AZ img Supai, AZ img Surprise, AZ img Tacna, AZ img Taylor, AZ img Teec Nos Pos, AZ img Tempe, AZ img Temple Bar Marina, AZ img Thatcher, AZ img Tolleson, AZ img Tombstone, AZ img Tonalea, AZ img Tonopah, AZ img Tonto Basin, AZ img Topawa, AZ img Topock, AZ img Tortilla Flat, AZ img Tsaile, AZ img Tuba City, AZ img Tubac, AZ img Tucson, AZ img Tumacacori, AZ img Vail, AZ img Valentine, AZ img Valley Farms, AZ img Vernon, AZ img Waddell, AZ img Wellton, AZ img Wenden, AZ img White Mountain Lake, AZ img Whiteriver, AZ img Wickenburg, AZ img Wikieup, AZ img Willcox, AZ img Williams, AZ img Willow Beach, AZ img Window Rock, AZ img Winslow, AZ img Wittmann, AZ img Woodruff, AZ img Yarnell, AZ img Young, AZ img Youngtown, AZ img Yucca, AZ

Zip codes near Arizona


Scroll to Top