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Choosing Universal Life Insurance in Georgia

How Universal Life Insurance Works in Georgia

With Georgia 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 Georgia Universal Life Insurance

The primary features of universal life insurance in Georgia 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 Georgia 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 Georgia

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 Georgia 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 Abbeville, GA img Acworth, GA img Adairsville, GA img Adel, GA img Adrian, GA img Ailey, GA img Alamo, GA img Alapaha, GA img Albany, GA img Allenhurst, GA img Allentown, GA img Alma, GA img Alpharetta, GA img Alston, GA img Alto, GA img Ambrose, GA img Americus, GA img Andersonville, GA img Appling, GA img Arabi, GA img Aragon, GA img Argyle, GA img Arlington, GA img Armuchee, GA img Arnoldsville, GA img Ashburn, GA img Athens, GA img Atlanta, GA img Attapulgus, GA img Auburn, GA img Augusta, GA img Austell, GA img Avera, GA img Avondale Estates, GA img Axson, GA img Baconton, GA img Bainbridge, GA img Baldwin, GA img Ball Ground, GA img Barnesville, GA img Barney, GA img Bartow, GA img Barwick, GA img Baxley, GA img Bellville, GA img Berlin, GA img Bethlehem, GA img Bishop, GA img Blackshear, GA img Blairsville, GA img Blakely, GA img Bloomingdale, GA img Blue Ridge, GA img Bluffton, GA img Blythe, GA img Bogart, GA img Bolingbroke, GA img Bonaire, GA img Boneville, GA img Boston, GA img Bostwick, GA img Bowdon, GA img Bowdon Junction, GA img Bowersville, GA img Bowman, GA img Box Springs, GA img Braselton, GA img Bremen, GA img Brinson, GA img Bristol, GA img Bronwood, GA img Brookfield, GA img Brooklet, GA img Brooks, GA img Broxton, GA img Brunswick, GA img Buchanan, GA img Buckhead, GA img Buena Vista, GA img Buford, GA img Butler, GA img Byromville, GA img Byron, GA img Cadwell, GA img Cairo, GA img Calhoun, GA img Calvary, GA img Camak, GA img Camilla, GA img Canon, GA img Canton, GA img Carlton, GA img Carnesville, GA img Carrollton, GA img Cartersville, GA img Cassville, GA img Cataula, GA img Cave Spring, GA img Cecil, GA img Cedar Springs, GA img Cedartown, GA img Centerville, GA img Chatsworth, GA img Chauncey, GA img Cherry Log, GA img Cherrylog, GA img Chester, GA img Chestnut Mountain, GA img Chickamauga, GA img Chula, GA img Cisco, GA img Clarkdale, GA img Clarkesville, GA img Clarkston, GA img Claxton, GA img Clayton, GA img Clermont, GA img Cleveland, GA img Climax, GA img Clinchfield, GA img Clyo, GA img Cobb, GA img Cobbtown, GA img Cochran, GA img Cohutta, GA img Colbert, GA img Coleman, GA img Collins, GA img Colquitt, GA img Columbus, GA img Comer, GA img Commerce, GA img Concord, GA img Conley, GA img Conyers, GA img Coolidge, GA img Coosa, GA img Cordele, GA img Cornelia, GA img Cotton, GA img Covington, GA img Crandall, GA img Crawford, GA img Crawfordville, GA img Crescent, GA img Culloden, GA img Cumming, GA img Cusseta, GA img Cuthbert, GA img Dacula, GA img Dahlonega, GA img Daisy, GA img Dallas, GA img Dalton, GA img Damascus, GA img Danielsville, GA img Danville, GA img Darien, GA img Davisboro, GA img Dawson, GA img Dawsonville, GA img De Soto, GA img Dearing, GA img Decatur, GA img Demorest, GA img Denton, GA img Dewy Rose, GA img Dexter, GA img Dillard, GA img Dixie, GA img Doerun, GA img Donalsonville, GA img Douglas, GA img Douglasville, GA img Dover, GA img Dry Branch, GA img Du Pont, GA img Dublin, GA img Dudley, GA img Duluth, GA img East Ellijay, GA img Eastanollee, GA img Eastman, GA img Eatonton, GA img Eden, GA img Edison, GA img Elberton, GA img Elko, GA img Ellabell, GA img Ellaville, GA img Ellenton, GA img Ellenwood, GA img Ellerslie, GA img Ellijay, GA img Emerson, GA img Enigma, GA img Epworth, GA img Esom Hill, GA img Eton, GA img Evans, GA img Experiment, GA img Fairburn, GA img Fairmount, GA img Fargo, GA img Farmington, GA img Fayetteville, GA img Felton, GA img Fitzgerald, GA img Fleming, GA img Flintstone, GA img Flovilla, GA img Flowery Branch, GA img Folkston, GA img Forest Park, GA img Forsyth, GA img Fort Benning, GA img Fort Gaines, GA img Fort Oglethorpe, GA img Fort Stewart, GA img Fort Valley, GA img Fortson, GA img Fowlstown, GA img Franklin, GA img Franklin Springs, GA img Funston, GA img Gainesville, GA img Garfield, GA img Gay, GA img Geneva, GA img Georgetown, GA img Gibson, GA img Gillsville, GA img Girard, GA img Glenn, GA img Glennville, GA img Glenwood, GA img Good Hope, GA img Gordon, GA img Gough, GA img Gracewood, GA img Grantville, GA img Gray, GA img Grayson, GA img Graysville, GA img Greensboro, GA img Greenville, GA img Griffin, GA img Grovetown, GA img Guyton, GA img Haddock, GA img Hagan, GA img Hahira, GA img Hamilton, GA img Hampton, GA img Haralson, GA img Hardwick, GA img Harlem, GA img Harrison, GA img Hartsfield, GA img Hartwell, GA img Hawkinsville, GA img Hazlehurst, GA img Helen, GA img Helena, GA img Hephzibah, GA img Hiawassee, GA img High Shoals, GA img Hillsboro, GA img Hinesville, GA img Hiram, GA img Hoboken, GA img Hogansville, GA img Holly Springs, GA img Homer, GA img Homerville, GA img Hortense, GA img Hoschton, GA img Howard, GA img Hull, GA img Ideal, GA img Ila, GA img Inman, GA img Iron City, GA img Irwinton, GA img Irwinville, GA img Jackson, GA img Jacksonville, GA img Jakin, GA img Jasper, GA img Jefferson, GA img Jeffersonville, GA img Jekyll Island, GA img Jenkinsburg, GA img Jersey, GA img Jesup, GA img Jewell, GA img Jonesboro, GA img Juliette, GA img Junction City, GA img Kathleen, GA img Kennesaw, GA img Keysville, GA img Kings Bay, GA img Kingsland, GA img Kingston, GA img Kite, GA img Knoxville, GA img La Fayette, GA img Lagrange, GA img Lake Park, GA img Lakeland, GA img Lakemont, GA img Lavonia, GA img Lawrenceville, GA img Leary, GA img Lebanon, GA img Leesburg, GA img Lenox, GA img Leslie, GA img Lexington, GA img Lilburn, GA img Lilly, GA img Lincolnton, GA img Lindale, GA img Lithia Springs, GA img Lithonia, GA img Lizella, GA img Locust Grove, GA img Loganville, GA img Lookout Mountain, GA img Louisville, GA img Louvale, GA img Lovejoy, GA img Ludowici, GA img Lula, GA img Lumber City, GA img Lumpkin, GA img Luthersville, GA img Lyerly, GA img Lyons, GA img Mableton, GA img Macon, GA img Madison, GA img Manassas, GA img Manchester, GA img Manor, GA img Mansfield, GA img Marble Hill, GA img Marietta, GA img Marshallville, GA img Martin, GA img Matthews, GA img Mauk, GA img Maxeys, GA img Maysville, GA img Mc Caysville, GA img Mc Intyre, GA img Mc Rae, GA img Mcdonough, GA img Meansville, GA img Meigs, GA img Meldrim, GA img Menlo, GA img Meridian, GA img Mershon, GA img Mesena, GA img Metter, GA img Midland, GA img Midville, GA img Midway, GA img Milan, GA img Milledgeville, GA img Millen, GA img Millwood, GA img Milner, GA img Mineral Bluff, GA img Mitchell, GA img Molena, GA img Monroe, GA img Montezuma, GA img Monticello, GA img Montrose, GA img Moreland, GA img Morgan, GA img Morganton, GA img Morris, GA img Morrow, GA img Morven, GA img Moultrie, GA img Mount Airy, GA img Mount Berry, GA img Mount Vernon, GA img Mount Zion, GA img Mountain City, GA img Murrayville, GA img Musella, GA img Mystic, GA img Nahunta, GA img Nashville, GA img Naylor, GA img Nelson, GA img Newborn, GA img Newington, GA img Newnan, GA img Newton, GA img Nicholls, GA img Nicholson, GA img Norcross, GA img Norman Park, GA img Norristown, GA img Norwood, GA img Nunez, GA img Oakfield, GA img Oakman, GA img Oakwood, GA img Ochlocknee, GA img Ocilla, GA img Oconee, GA img Odum, GA img Offerman, GA img Oglethorpe, GA img Oliver, GA img Omaha, GA img Omega, GA img Orchard Hill, GA img Oxford, GA img Palmetto, GA img Parrott, GA img Patterson, GA img Pavo, GA img Peachtree City, GA img Pearson, GA img Pelham, GA img Pembroke, GA img Pendergrass, GA img Perkins, GA img Perry, GA img Pine Lake, GA img Pine Mountain, GA img Pine Mountain Valley, GA img Pinehurst, GA img Pineview, GA img Pitts, GA img Plainfield, GA img Plains, GA img Plainville, GA img Pooler, GA img Portal, GA img Porterdale, GA img Poulan, GA img Powder Springs, GA img Preston, GA img Pulaski, GA img Putney, GA img Quitman, GA img Rabun Gap, GA img Ranger, GA img Ray City, GA img Rayle, GA img Rebecca, GA img Red Oak, GA img Redan, GA img Register, GA img Reidsville, GA img Rentz, GA img Resaca, GA img Rex, GA img Reynolds, GA img Rhine, GA img Riceboro, GA img Richland, GA img Richmond Hill, GA img Rincon, GA img Ringgold, GA img Rising Fawn, GA img Riverdale, GA img Roberta, GA img Rochelle, GA img Rock Spring, GA img Rockledge, GA img Rockmart, GA img Rocky Face, GA img Rocky Ford, GA img Rome, GA img Roopville, GA img Rossville, GA img Roswell, GA img Royston, GA img Rupert, GA img Rutledge, GA img Rydal, GA img Saint George, GA img Saint Marys, GA img Saint Simons Island, GA img Sale City, GA img Sandersville, GA img Sapelo Island, GA img Sardis, GA img Sargent, GA img Sasser, GA img Sautee Nacoochee, GA img Savannah, GA img Scotland, GA img Scottdale, GA img Screven, GA img Sea Island, GA img Senoia, GA img Seville, GA img Shady Dale, GA img Shannon, GA img Sharon, GA img Sharpsburg, GA img Shellman, GA img Shiloh, GA img Siloam, GA img Silver Creek, GA img Smarr, GA img Smithville, GA img Smyrna, GA img Snellville, GA img Social Circle, GA img Soperton, GA img Sparks, GA img Sparta, GA img Springfield, GA img Stapleton, GA img Statenville, GA img Statesboro, GA img Statham, GA img Stephens, GA img Stillmore, GA img Stockbridge, GA img Stockton, GA img Stone Mountain, GA img Suches, GA img Sugar Valley, GA img Summertown, GA img Summerville, GA img Sumner, GA img Sunny Side, GA img Surrency, GA img Suwanee, GA img Swainsboro, GA img Sycamore, GA img Sylvania, GA img Sylvester, GA img Talbotton, GA img Talking Rock, GA img Tallapoosa, GA img Tallulah Falls, GA img Talmo, GA img Tarrytown, GA img Tate, GA img Taylorsville, GA img Temple, GA img Tennga, GA img Tennille, GA img The Rock, GA img Thomaston, GA img Thomasville, GA img Thomson, GA img Tifton, GA img Tiger, GA img Tignall, GA img Toccoa, GA img Toccoa Falls, GA img Toomsboro, GA img Townsend, GA img Trenton, GA img Trion, GA img Tucker, GA img Tunnel Hill, GA img Turin, GA img Turnerville, GA img Twin City, GA img Ty Ty, GA img Tybee Island, GA img Tyrone, GA img Unadilla, GA img Union City, GA img Union Point, GA img Upatoi, GA img Uvalda, GA img Valdosta, GA img Valona, GA img Varnell, GA img Vidalia, GA img Vienna, GA img Villa Rica, GA img Waco, GA img Wadley, GA img Waleska, GA img Walthourville, GA img Waresboro, GA img Warm Springs, GA img Warner Robins, GA img Warrenton, GA img Warthen, GA img Warwick, GA img Washington, GA img Watkinsville, GA img Waverly, GA img Waverly Hall, GA img Waycross, GA img Waynesboro, GA img Waynesville, GA img West Green, GA img West Point, GA img Weston, GA img Whigham, GA img White, GA img White Oak, GA img White Plains, GA img Whitesburg, GA img Wildwood, GA img Wiley, GA img Willacoochee, GA img Williamson, GA img Winder, GA img Winston, GA img Winterville, GA img Woodbine, GA img Woodbury, GA img Woodland, GA img Woodstock, GA img Wray, GA img Wrens, GA img Wrightsville, GA img Yatesville, GA img Young Harris, GA

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