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Choosing Universal Life Insurance in Kansas

How Universal Life Insurance Works in Kansas

With Kansas 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 Kansas Universal Life Insurance

The primary features of universal life insurance in Kansas 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 Kansas 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 Kansas

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 Kansas 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

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KS img Blue Mound, KS img Blue Rapids, KS img Bluff City, KS img Bogue, KS img Bonner Springs, KS img Bremen, KS img Brewster, KS img Bronson, KS img Brookville, KS img Brownell, KS img Bucklin, KS img Bucyrus, KS img Buffalo, KS img Buhler, KS img Bunker Hill, KS img Burden, KS img Burdett, KS img Burdick, KS img Burlingame, KS img Burlington, KS img Burns, KS img Burr Oak, KS img Burrton, KS img Bushton, KS img Byers, KS img Caldwell, KS img Cambridge, KS img Caney, KS img Canton, KS img Carbondale, KS img Cassoday, KS img Catharine, KS img Cawker City, KS img Cedar, KS img Cedar Point, KS img Cedar Vale, KS img Centerville, KS img Centralia, KS img Chanute, KS img Chapman, KS img Chase, KS img Chautauqua, KS img Cheney, KS img Cherokee, KS img Cherryvale, KS img Chetopa, KS img Cimarron, KS img Circleville, KS img Claflin, KS img Clay Center, KS img Clayton, KS img Clearview City, KS img Clearwater, KS img Clifton, KS img Clyde, KS img Coats, KS img Coffeyville, KS img Colby, KS img 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Enterprise, KS img Erie, KS img Esbon, KS img Eskridge, KS img Eudora, KS img Eureka, KS img Everest, KS img Fairview, KS img Fall River, KS img Falun, KS img Farlington, KS img Florence, KS img Fontana, KS img Ford, KS img Formoso, KS img Fort Leavenworth, KS img Fort Riley, KS img Fort Scott, KS img Fostoria, KS img Fowler, KS img Frankfort, KS img Franklin, KS img Fredonia, KS img Freeport, KS img Frontenac, KS img Fulton, KS img Galena, KS img Galesburg, KS img Galva, KS img Garden City, KS img Garden Plain, KS img Gardner, KS img Garfield, KS img Garland, KS img Garnett, KS img Gas, KS img Gaylord, KS img Gem, KS img Geneseo, KS img Geuda Springs, KS img Girard, KS img Glade, KS img Glasco, KS img Glen Elder, KS img Goddard, KS img Goessel, KS img Goff, KS img Goodland, KS img Gorham, KS img Gove, KS img Grainfield, KS img Grantville, KS img Great Bend, KS img Greeley, KS img Green, KS img Greenleaf, KS img Greensburg, KS img Greenwich, KS img Grenola, KS img Gridley, KS img Grinnell, KS img Gypsum, KS img Haddam, KS img Halstead, KS img Hamilton, KS img Hanover, KS img Hanston, KS img Hardtner, KS img Harper, KS img Hartford, KS img Harveyville, KS img Havana, KS img Haven, KS img Havensville, KS img Haviland, KS img Hays, KS img Haysville, KS img Hazelton, KS img Healy, KS img Hepler, KS img Herington, KS img Herndon, KS img Hesston, KS img Hiawatha, KS img Highland, KS img Hill City, KS img Hillsboro, KS img Hillsdale, KS img Hoisington, KS img Holcomb, KS img Hollenberg, KS img Holton, KS img Holyrood, KS img Home, KS img Hope, KS img Horton, KS img Howard, KS img Hoxie, KS img Hoyt, KS img Hudson, KS img Hugoton, KS img Humboldt, KS img Hunter, KS img Hutchinson, KS img Independence, KS img Ingalls, KS img Inman, KS img Iola, KS img Isabel, KS img Iuka, KS img Jamestown, KS img Jennings, KS img Jetmore, KS img Jewell, KS img Johnson, KS img Junction City, KS img Kanopolis, KS img Kanorado, KS img Kansas City, KS img Kechi, KS img Kendall, KS img Kensington, KS img Kincaid, KS img Kingman, KS img Kinsley, KS img Kiowa, KS img Kirwin, KS img Kismet, KS img La Crosse, KS img La Cygne, KS img La Harpe, KS img Lacygne, KS img Lake City, KS img Lakin, KS img Lamont, KS img Lancaster, KS img Lane, KS img Lansing, KS img Larned, KS img Latham, KS img Lawrence, KS img Le Roy, KS img Leavenworth, KS img Leawood, KS img Lebanon, KS img Lebo, KS img Lecompton, KS img Lehigh, KS img Lenexa, KS img Lenora, KS img Leon, KS img Leonardville, KS img Leoti, KS img Levant, KS img Lewis, KS img Liberal, KS img Liberty, KS img Liebenthal, KS img Lincoln, KS img Lincolnville, KS img Lindsborg, KS img Linn, KS img Linwood, KS img Little River, KS img Logan, KS img Long Island, KS img Longford, KS img Longton, KS img Lorraine, KS img Lost Springs, KS img Louisburg, KS img Louisville, KS img Lucas, KS img Ludell, KS img Luray, KS img Lyndon, KS img Lyons, KS img Macksville, KS img Madison, KS img Mahaska, KS img Maize, KS img Manhattan, KS img Mankato, KS img Manter, KS img Maple City, KS img Maple Hill, KS img Mapleton, KS img Marienthal, KS img Marion, KS img Marquette, KS img Marysville, KS img Matfield Green, KS img Mayetta, KS img Mayfield, KS img Mc Connell A F B, KS img Mc Cracken, KS img Mc Cune, KS img Mc Donald, KS img Mc Farland, KS img Mc Louth, KS img Mcconnell Afb, KS img Mcpherson, KS img Meade, KS img Medicine Lodge, KS img Melvern, KS img Meriden, KS img Milan, KS img Milford, KS img Milton, KS img Miltonvale, KS img Minneapolis, KS img Minneola, KS img Mission, KS img Moline, KS img Montezuma, KS img Monument, KS img Moran, KS img Morganville, KS img Morland, KS img Morrill, KS img Morrowville, KS img Moscow, KS img Mound City, KS img Mound Valley, KS img Moundridge, KS img Mount Hope, KS img Mulberry, KS img Mullinville, KS img Mulvane, KS img Munden, KS img Murdock, KS img Muscotah, KS img Narka, KS img Nashville, KS img Natoma, KS img Neal, KS img Nekoma, KS img Neodesha, KS img Neosho Falls, KS img Neosho Rapids, KS img Ness City, KS img Netawaka, KS img New Albany, KS img New Cambria, KS img New Century, KS img Newton, KS img Nickerson, KS img Niotaze, KS img Norcatur, KS img North Newton, KS img Norton, KS img Nortonville, KS img Norway, KS img Norwich, KS img Oakley, KS img Oberlin, KS img Offerle, KS img Ogallah, KS img Ogden, KS img Oketo, KS img Olathe, KS img Olmitz, KS img Olpe, KS img Olsburg, KS img Onaga, KS img Oneida, KS img Opolis, KS img Osage City, KS img Osawatomie, KS img Osborne, KS img Oskaloosa, KS img Oswego, KS img Otis, KS img Ottawa, KS img Overbrook, KS img Overland Park, KS img Oxford, KS img Ozawkie, KS img Palco, KS img Palmer, KS img Paola, KS img Paradise, KS img Park, KS img Parker, KS img Parsons, KS img Partridge, KS img Pawnee Rock, KS img Paxico, KS img Peabody, KS img Peck, KS img Penokee, KS img Perry, KS img Peru, KS img Pfeifer, KS img Phillipsburg, KS img Piedmont, KS img Pierceville, KS img Piqua, KS img Pittsburg, KS img Plains, KS img Plainville, KS img Pleasanton, KS img Plevna, KS img Pomona, KS img Portis, KS img Potter, KS img Potwin, KS img Powhattan, KS img Prairie View, KS img Prairie Village, KS img Pratt, KS img Prescott, KS img Pretty Prairie, KS img Princeton, KS img Protection, KS img Quenemo, KS img Quinter, KS img Rago, KS img Ramona, KS img Randall, KS img Randolph, KS img Ransom, KS img Rantoul, KS img Raymond, KS img Reading, KS img Redfield, KS img Republic, KS img Rexford, KS img Richfield, KS img Richmond, KS img Riley, KS img Riverton, KS img Robinson, KS img Rock, KS img Rolla, KS img Rosalia, KS img Rose Hill, KS img Rossville, KS img Roxbury, KS img Rozel, KS img Rush Center, KS img Russell, KS img Sabetha, KS img Saint Francis, KS img Saint George, KS img Saint John, KS img Saint Marys, KS img Saint Paul, KS img Salina, KS img Satanta, KS img Savonburg, KS img Sawyer, KS img Scammon, KS img Scandia, KS img Schoenchen, KS img Scott City, KS img Scranton, KS img Sedan, KS img Sedgwick, KS img Selden, KS img Seneca, KS img Severy, KS img Sharon, KS img Sharon Springs, KS img Shawnee, KS img Shawnee Mission, KS img Silver Lake, KS img Simpson, KS img Smith Center, KS img Soldier, KS img Solomon, KS img South Haven, KS img South Hutchinson, KS img Spearville, KS img Spivey, KS img Spring Hill, KS img Stafford, KS img Stark, KS img Sterling, KS img Stilwell, KS img Stockton, KS img Strong City, KS img Stuttgart, KS img Sublette, KS img Summerfield, KS img Sun City, KS img Sycamore, KS img Sylvan Grove, KS img Sylvia, KS img Syracuse, KS img Talmage, KS img Tampa, KS img Tecumseh, KS img Tescott, KS img Thayer, KS img Tipton, KS img Tonganoxie, KS img Topeka, KS img Toronto, KS img Towanda, KS img Treece, KS img Tribune, KS img Troy, KS img Turon, KS img Tyro, KS img Udall, KS img Ulysses, KS img Uniontown, KS img Utica, KS img Valley Center, KS img Valley Falls, KS img Vassar, KS img Vermillion, KS img Victoria, KS img Viola, KS img Virgil, KS img Wa Keeney, KS img Wakarusa, KS img Wakeeney, KS img Wakefield, KS img Waldo, KS img Waldron, KS img Walker, KS img Wallace, KS img Walnut, KS img Walton, KS img Wamego, KS img Washington, KS img Waterville, KS img Wathena, KS img Waverly, KS img Webber, KS img Weir, KS img Welda, KS img Wellington, KS img Wellsville, KS img Weskan, KS img West Mineral, KS img Westmoreland, KS img Westphalia, KS img Wetmore, KS img Wheaton, KS img White City, KS img White Cloud, KS img Whitewater, KS img Whiting, KS img Wichita, KS img Williamsburg, KS img Wilmore, KS img Wilsey, KS img Wilson, KS img Winchester, KS img Windom, KS img Winfield, KS img Winona, KS img Woodbine, KS img Woodston, KS img Wright, KS img Yates Center, KS img Yoder, KS

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