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Choosing Universal Life Insurance in Hawaii

How Universal Life Insurance Works in Hawaii

With Hawaii 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 Hawaii Universal Life Insurance

The primary features of universal life insurance in Hawaii 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 Hawaii 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 Hawaii

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 Hawaii 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 Aiea, HI img Anahola, HI img Barbers Point N A S, HI img Camp H M Smith, HI img Captain Cook, HI img Eleele, HI img Ewa Beach, HI img Fort Shafter, HI img Haiku, HI img Hakalau, HI img Haleiwa, HI img Hana, HI img Hanalei, HI img Hanamaulu, HI img Hanapepe, HI img Hauula, HI img Hawaii National Park, HI img Hawi, HI img Hickam Afb, HI img Hilo, HI img Holualoa, HI img Honaunau, HI img Honokaa, HI img Honolulu, HI img Honomu, HI img Hoolehua, HI img J B P H H, HI img Kaaawa, HI img Kahuku, HI img Kahului, HI img Kailua, HI img Kailua Kona, HI img Kalaheo, HI img Kalaupapa, HI img Kamuela, HI img Kaneohe, HI img Kapaa, HI img Kapaau, HI img Kapolei, HI img Kaumakani, HI img Kaunakakai, HI img Keaau, HI img Kealakekua, HI img Kealia, HI img Keauhou, HI img Kekaha, HI img Kihei, HI img Kilauea, HI img Koloa, HI img Kualapuu, HI img Kula, HI img Kunia, HI img Kurtistown, HI img Lahaina, HI img Laie, HI img Lanai City, HI img Laupahoehoe, HI img Lawai, HI img Lihue, HI img M C B H Kaneohe Bay, HI img Makawao, HI img Makaweli, HI img Maunaloa, HI img Mililani, HI img Mountain View, HI img Naalehu, HI img Ninole, HI img Ocean View, HI img Ookala, HI img Paauhau, HI img Paauilo, HI img Pahala, HI img Pahoa, HI img Paia, HI img Papaaloa, HI img Papaikou, HI img Pearl City, HI img Pearl Harbor, HI img Pepeekeo, HI img Princeville, HI img Pukalani, HI img Puunene, HI img Schofield Barracks, HI img Tripler Army Medical Center, HI img Tripler Army Medical Ctr, HI img Volcano, HI img Wahiawa, HI img Waialua, HI img Waianae, HI img Waikoloa, HI img Wailuku, HI img Waimanalo, HI img Waimea, HI img Waipahu, HI img Wake Island, HI

Zip codes near Hawaii


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