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Choosing Universal Life Insurance in Saskatchewan

How Universal Life Insurance Works in Saskatchewan

With Saskatchewan 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 Saskatchewan Universal Life Insurance

The primary features of universal life insurance in Saskatchewan 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 Saskatchewan 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 Saskatchewan

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 Saskatchewan 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 Aberdeen, SK img Abbey, SK img Abernethy, SK img Alameda, SK img Alida, SK img Allan, SK img Alsask, SK img Alvena, SK img Aneroid, SK img Arborfield, SK img Archerwill, SK img Arcola, SK img Asquith, SK img Assiniboia, SK img Avonlea, SK img Balcarres, SK img Balgonie, SK img Battleford, SK img Beauval, SK img Beechy, SK img Bengough, SK img Bethune, SK img Bienfait, SK img Biggar, SK img Birch Hills, SK img Birsay, SK img Blaine Lake, SK img Borden, SK img Bredenbury, SK img Briercrest, SK img Broadview, SK img Brock, SK img Big River, SK img Buchanan, SK img Bruno, SK img Buffalo Narrows, SK img Burstall, SK img Cabri, SK img Calder, SK img Canoe Narrows, SK img Cadillac, SK img Canora, SK img Canwood, SK img Carievale, SK img Carlyle, SK img Carnduff, SK img Caron, SK img Carrot River, SK img Central Butte, SK img Ceylon, SK img Chaplin, SK img Christopher Lake, SK img Choiceland, SK img Clavet, SK img Climax, SK img Churchbridge, SK img Coderre, SK img Coleville, SK img Colonsay, SK img Conquest, SK img Cochin, SK img Consul, SK img Coronach, SK img Creelman, SK img Craik, SK img Creighton, SK img Cudworth, SK img Cumberland House, SK img Cut Knife, SK img Cupar, SK img Dalmeny, SK img Davidson, SK img Debden, SK img Delisle, SK img Denzil, SK img Dillon, SK img Dinsmore, SK img Dodsland, SK img Domremy, SK img Drake, SK img Dubuc, SK img Duck Lake, SK img Dundurn, SK img Dysart, SK img Earl Grey, SK img Eastend, SK img Eatonia, SK img Edam, SK img Elbow, SK img Elfros, SK img Elrose, SK img Esterhazy, SK img Estevan, SK img Eston, SK img Eyebrow, SK img Fleming, SK img Foam Lake, SK img Fond-du-Lac, SK img Fort Qu`Appelle, SK img Fox Valley, SK img Frobisher, SK img Francis, SK img Frontier, SK img Fillmore, SK img Gainsborough, SK img Glaslyn, SK img Glen Ewen, SK img Glenavon, SK img Goodeve, SK img Govan, SK img Goodsoil, SK img Gravelbourg, SK img Grayson, SK img Green Lake, SK img Grenfell, SK img Gull Lake, SK img Hafford, SK img Hague, SK img Hanley, SK img Harris, SK img Hawarden, SK img Hazlet, SK img Hepburn, SK img Herbert, SK img Herschel, SK img Hodgeville, SK img Holdfast, SK img Hudson Bay, SK img Humboldt, SK img Ile-a-la-Crosse, SK img Indian Head, SK img Invermay, SK img Ituna, SK img Jansen, SK img Kamsack, SK img Kelliher, SK img Imperial, SK img Kelvington, SK img Kenaston, SK img Kennedy, SK img Kenosee, SK img Kerrobert, SK img Key Lake, SK img Kincaid, SK img Kindersley, SK img Kinistino, SK img Kipling, SK img Kisbey, SK img Kyle, SK img La Loche, SK img La Ronge, SK img Lafleche, SK img Laird, SK img Lake Alma, SK img Lake Lenore, SK img Landis, SK img Lampman, SK img Lang, SK img Langenburg, SK img Langham, SK img Lanigan, SK img Lashburn, SK img Leader, SK img Lemberg, SK img Leask, SK img Leoville, SK img Leroy, SK img Lestock, SK img Liberty, SK img Limerick, SK img Lintlaw, SK img Lipton, SK img Loreburn, SK img Loon Lake, SK img Lucky Lake, SK img Lloydminster, SK img Lumsden, SK img Macklin, SK img Luseland, SK img Macrorie, SK img Maidstone, SK img Mankota, SK img Manor, SK img Marcelin, SK img Marquis, SK img Margo, SK img Marsden, SK img Marshall, SK img Martensville, SK img Maryfield, SK img Maymont, SK img Meacham, SK img Maple Creek, SK img Meadow Lake, SK img Meath Park, SK img Melfort, SK img Melville, SK img Midale, SK img Middle Lake, SK img Meota, SK img Milden, SK img Milestone, SK img Minton, SK img Mistatim, SK img Molanosa, SK img Montmartre, SK img Moose Jaw, SK img Moosomin, SK img Morse, SK img Mortlach, SK img Mossbank, SK img Naicam, SK img Neidpath, SK img Neilburg, SK img Neudorf, SK img Nipawin, SK img Neville, SK img Nokomis, SK img Norquay, SK img North Battleford, SK img North Portal, SK img Odessa, SK img Ogema, SK img Osler, SK img Outlook, SK img Oxbow, SK img Ormiston, SK img Paddockwood, SK img Pangman, SK img Paradise Hill, SK img Patuanak, SK img Paynton, SK img Pelly, SK img Pennant, SK img Pense, SK img Perdue, SK img Pelican Narrows, SK img Piapot, SK img Pierceland, SK img Pilot Butte, SK img Pinehouse, SK img Plato, SK img Ponteix, SK img Plenty, SK img Porcupine Plain, SK img Preeceville, SK img Prelate, SK img Prince Albert, SK img Prud`homme, SK img Punnichy, SK img Quill Lake, SK img Qu`Appelle, SK img Radisson, SK img Radville, SK img Rabbit Lake, SK img Redvers, SK img Regina, SK img Regina Beach, SK img Rhein, SK img Riceton, SK img Richmound, SK img Ridgedale, SK img Raymore, SK img Riverhurst, SK img Rocanville, SK img Rockglen, SK img Rose Valley, SK img Rosetown, SK img Rosthern, SK img Saltcoats, SK img Sandy Bay, SK img Saskatoon, SK img Sceptre, SK img Scott, SK img Sedley, SK img Shaunavon, SK img Semans, SK img Sheho, SK img Shell Lake, SK img Rouleau, SK img Shellbrook, SK img Simpson, SK img Sintaluta, SK img Smeaton, SK img Smiley, SK img Southend, SK img Southey, SK img Spalding, SK img Speers, SK img Spiritwood, SK img Springside, SK img Spy Hill, SK img St. Benedict, SK img St. Brieux, SK img St. Gregor, SK img St. Walburg, SK img Stanley Mission, SK img Star City, SK img St. Louis, SK img Stony Rapids, SK img Storthoaks, SK img Stoughton, SK img Strasbourg, SK img Strongfield, SK img Sturgis, SK img Swift Current, SK img Tantallon, SK img Theodore, SK img Tisdale, SK img Togo, SK img Tompkins, SK img Torquay, SK img Tramping Lake, SK img Tribune, SK img Turnor Lake, SK img Turtleford, SK img Unity, SK img Uranium City, SK img Val Marie, SK img Vanguard, SK img Vanscoy, SK img Vibank, SK img Viscount, SK img Vonda, SK img Wadena, SK img Wakaw, SK img Stockholm, SK img Waldheim, SK img Wapella, SK img Warman, SK img Waskesiu Lake, SK img Watrous, SK img Watson, SK img Wawota, SK img Webb, SK img Welwyn, SK img Weyburn, SK img White Fox, SK img Wilcox, SK img Wilkie, SK img Willow Bunch, SK img Windthorst, SK img Wiseton, SK img Wishart, SK img Wollaston Lake, SK img Wolseley, SK img Whitewood, SK img Wynyard, SK img Yellow Creek, SK img Yellow Grass, SK img Wood Mountain, SK img Young, SK img Zealandia, SK img Zenon Park, SK img Yorkton, SK

Zip codes near Saskatchewan


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