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Choosing Universal Life Insurance in Minnesota

How Universal Life Insurance Works in Minnesota

With Minnesota 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 Minnesota Universal Life Insurance

The primary features of universal life insurance in Minnesota 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 Minnesota 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 Minnesota

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 Minnesota 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 Ada, MN img Adams, MN img Adolph, MN img Adrian, MN img Afton, MN img Ah Gwah Ching, MN img Aitkin, MN img Akeley, MN img Albany, MN img Albert Lea, MN img Alberta, MN img Albertville, MN img Alborn, MN img Alden, MN img Aldrich, MN img Alexandria, MN img Almelund, MN img Alpha, MN img Altura, MN img Alvarado, MN img Amboy, MN img Andover, MN img Angle Inlet, MN img Angora, MN img Angus, MN img Annandale, MN img Anoka, MN img Appleton, MN img Arco, MN img Argyle, MN img Arlington, MN img Ashby, MN img Askov, MN img Atwater, MN img Audubon, MN img Aurora, MN img Austin, MN img Avoca, MN img Avon, MN img Babbitt, MN img Backus, MN img Badger, MN img Bagley, MN img Baker, MN img Balaton, MN img Barnesville, MN img Barnum, MN img Barrett, MN img Barry, MN img Battle Lake, MN img Baudette, MN img Baxter, MN img Bayport, MN img Beardsley, MN img Beaver Bay, MN img Beaver Creek, MN img Becker, MN img Bejou, MN img Belgrade, MN img Belle Plaine, MN img Bellingham, MN img Beltrami, MN img Belview, MN img Bemidji, MN img Bena, MN img Benedict, MN img Benson, MN img Bertha, MN img Bethel, MN img Big Falls, MN img Big Lake, MN img Bigelow, MN img Bigfork, MN img Bingham Lake, MN img Birchdale, MN img Bird Island, MN img Biwabik, MN img Blackduck, MN img Blomkest, MN img Blooming Prairie, MN img Blue Earth, MN img Bluffton, MN img Bock, MN img Borup, MN img Bovey, MN img Bowlus, MN img Bowstring, MN img Boyd, MN img Braham, MN img Brainerd, MN img Brandon, MN img Breckenridge, MN img Brewster, MN img Bricelyn, MN img Brimson, MN img Britt, MN img Brook Park, MN img Brooks, MN img Brookston, MN img Brooten, MN img Browerville, MN img Browns Valley, MN img Brownsdale, MN img Brownsville, MN img Brownton, MN img Bruno, MN img Buckman, MN img Buffalo, MN img Buffalo Lake, MN img Buhl, MN img Burnsville, MN img Burtrum, MN img Butterfield, MN img Byron, MN img Caledonia, MN img Callaway, MN img Calumet, MN img Cambridge, MN img Campbell, MN img Canby, MN img Cannon Falls, MN img 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img Cyrus, MN img Dakota, MN img Dalbo, MN img Dalton, MN img Danube, MN img Danvers, MN img Darfur, MN img Darwin, MN img Dassel, MN img Dawson, MN img Dayton, MN img Deer Creek, MN img Deer River, MN img Deerwood, MN img Delano, MN img Delavan, MN img Dennison, MN img Dent, MN img Detroit Lakes, MN img Dexter, MN img Dilworth, MN img Dodge Center, MN img Donaldson, MN img Donnelly, MN img Dover, MN img Dovray, MN img Duluth, MN img Dumont, MN img Dundas, MN img Dunnell, MN img Eagle Bend, MN img Eagle Lake, MN img East Grand Forks, MN img Easton, MN img Echo, MN img Eden Prairie, MN img Eden Valley, MN img Edgerton, MN img Effie, MN img Eitzen, MN img Elbow Lake, MN img Elgin, MN img Elizabeth, MN img Elk River, MN img Elko, MN img Elko New Market, MN img Elkton, MN img Ellendale, MN img Ellsworth, MN img Elmore, MN img Elrosa, MN img Ely, MN img Elysian, MN img Embarrass, MN img Emily, MN img Emmons, MN img Erhard, MN img Erskine, MN img Esko, MN img Essig, MN img Euclid, MN img Evansville, MN img Eveleth, MN img Excelsior, MN img Eyota, MN img Fairfax, MN img Fairmont, MN img Faribault, MN img Farmington, MN img Farwell, MN img Federal Dam, MN img Felton, MN img Fergus Falls, MN img Fertile, MN img Fifty Lakes, MN img Finland, MN img Finlayson, MN img Fisher, MN img Flensburg, MN img Flom, MN img Floodwood, MN img Foley, MN img Forbes, MN img Forest Lake, MN img Foreston, MN img Fort Ripley, MN img Fosston, MN img Fountain, MN img Foxhome, MN img Franklin, MN img Frazee, MN img Freeborn, MN img Freeport, MN img Frontenac, MN img Frost, MN img Fulda, MN img Garden City, MN img Garfield, MN img Garrison, MN img Garvin, MN img Gary, MN img Gatzke, MN img Gaylord, MN img Geneva, MN img Georgetown, MN img Ghent, MN img Gibbon, MN img Gilbert, MN img Gilman, MN img Glencoe, MN img Glenville, MN img Glenwood, MN img Glyndon, MN img Gonvick, MN img Good Thunder, MN img Goodhue, MN img Goodland, MN img Goodridge, MN img Graceville, MN img Granada, MN img Grand Marais, MN img Grand Meadow, MN img Grand Portage, MN img Grand Rapids, MN img Grandy, MN img Granite Falls, MN img Grasston, MN img Green Isle, MN img Greenbush, MN img Greenwald, MN img Grey Eagle, MN img Grove City, MN img Grygla, MN img Gully, MN img Hackensack, MN img Hallock, MN img Halma, MN img Halstad, MN img Hamburg, MN img Hamel, MN img Hampton, MN img Hancock, MN img Hanley Falls, MN img Hanover, MN img Hanska, MN img Hardwick, MN img Harmony, MN img Harris, MN img Hartland, MN img Hastings, MN img Hawick, MN img Hawley, MN img Hayfield, MN img Hayward, MN img Hector, MN img Henderson, MN img Hendricks, MN img Hendrum, MN img Henning, MN img Henriette, MN img Herman, MN img Heron Lake, MN img Hewitt, MN img Hibbing, MN img Hill City, MN img Hillman, MN img Hills, MN img Hinckley, MN img Hines, MN img Hitterdal, MN img Hoffman, MN img Hokah, MN img Holdingford, MN img Holland, MN img Hollandale, MN img Holloway, MN img Holmes City, MN img Holyoke, MN img Homer, MN img Hope, MN img Hopkins, MN img Houston, MN img Hovland, MN img Howard Lake, MN img Hoyt Lakes, MN img Hugo, MN img Humboldt, MN img Huntley, MN img Hutchinson, MN img Ihlen, MN img International Falls, MN img Inver Grove Heights, MN img Iona, MN img Iron, MN img Ironton, MN img Isabella, MN img Isanti, MN img Isle, MN img Ivanhoe, MN img Jackson, MN img Jacobson, MN img Janesville, MN img Jasper, MN img Jeffers, MN img Jenkins, MN img Jordan, MN img Kabetogama, MN img Kanaranzi, MN img Kandiyohi, MN img Karlstad, MN img Kasota, MN img Kasson, MN img Keewatin, MN img Kelliher, MN img Kellogg, MN img Kennedy, MN img Kenneth, MN img Kensington, MN img Kent, MN img Kenyon, MN img Kerkhoven, MN img Kerrick, MN img Kettle River, MN img Kiester, MN img Kilkenny, MN img Kimball, MN img Kinney, MN img Knife River, MN img La Crescent, MN img La Salle, MN img Lafayette, MN img Lake Benton, MN img Lake Bronson, MN img Lake City, MN img Lake Crystal, MN img Lake Elmo, MN img Lake George, MN img Lake Hubert, MN img Lake Lillian, MN img Lake Park, MN img Lake Wilson, MN img Lakefield, MN img Lakeland, MN img Lakeville, MN img Lamberton, MN img Lancaster, MN img Lanesboro, MN img Lansing, MN img Laporte, MN img Lastrup, MN img Le Center, MN img Le Roy, MN img Le Sueur, MN img Lengby, MN img Leonard, MN img Leota, MN img Lester Prairie, MN img Lewiston, MN img Lewisville, MN img Lindstrom, MN img Lismore, MN img Litchfield, MN img Little Falls, MN img Littlefork, MN img Loman, MN img Long Lake, MN img Long Prairie, MN img Longville, MN img Lonsdale, MN img Loretto, MN img Lowry, MN img Lucan, MN img Lutsen, MN img Luverne, MN img Lyle, MN img Lynd, MN img Mabel, MN img Madelia, MN img Madison, MN img Madison Lake, MN img Magnolia, MN img Mahnomen, MN img Makinen, MN img Manchester, MN img Mankato, MN img Mantorville, MN img Maple Lake, MN img Maple Plain, MN img Mapleton, MN img Marble, MN img Marcell, MN img Margie, MN img Marietta, MN img Marine On Saint Croix, MN img Marshall, MN img Max, MN img Mayer, MN img Maynard, MN img Mazeppa, MN img Mc Grath, MN img Mcgregor, MN img Mcintosh, MN img Meadowlands, MN img Medford, MN img Melrose, MN img Melrude, MN img Menahga, MN img Mendota, MN img Mentor, MN img Merrifield, MN img Middle River, MN img Milaca, MN img Milan, MN img Millville, MN img Milroy, MN img Miltona, MN img Minneapolis, MN img Minneota, MN img Minnesota City, MN img Minnesota Lake, MN img Minnetonka, MN img Minnetonka Beach, MN img Mizpah, MN img Montevideo, MN img Montgomery, MN img Monticello, MN img Montrose, MN img Moorhead, MN img Moose Lake, MN img Mora, MN img Morgan, MN img Morris, MN img Morristown, MN img Morton, MN img Motley, MN img Mound, MN img Mountain Iron, MN img Mountain Lake, MN img Murdock, MN img Nashua, MN img Nashwauk, MN img Navarre, MN img Naytahwaush, MN img Nelson, MN img Nerstrand, MN img Nett Lake, MN img Nevis, MN img New Auburn, MN img New Germany, MN img New London, MN img New Market, MN img New Munich, MN img New Prague, MN img New Richland, MN img New Ulm, MN img New York Mills, MN img Newfolden, MN img Newport, MN img Nicollet, MN img Nielsville, MN img Nimrod, MN img Nisswa, MN img Norcross, MN img North Branch, MN img Northfield, MN img Northome, MN img Northrop, MN img Norwood, MN img Norwood Young America, MN img Noyes, MN img Oak Island, MN img Oak Park, MN img Oakland, MN img Odessa, MN img Odin, MN img Ogema, MN img Ogilvie, MN img Okabena, MN img Oklee, MN img Olivia, MN img Onamia, MN img Ormsby, MN img Oronoco, MN img Orr, MN img Ortonville, MN img Osage, MN img Osakis, MN img Oslo, MN img Osseo, MN img Ostrander, MN img Ottertail, MN img Outing, MN img Owatonna, MN img Palisade, MN img Park Rapids, MN img Parkers Prairie, MN img Paynesville, MN img Pease, MN img Pelican Rapids, MN img Pemberton, MN img Pengilly, MN img Pennington, MN img Pennock, MN img Pequot Lakes, MN img Perham, MN img Perley, MN img Peterson, MN img Pierz, MN img Pillager, MN img Pine City, MN img Pine Island, MN img Pine River, MN img Pipestone, MN img Plainview, MN img Plato, MN img Plummer, MN img Ponemah, MN img Ponsford, MN img Porter, MN img Preston, MN img Princeton, MN img Prinsburg, MN img Prior Lake, MN img Puposky, MN img Racine, MN img Randall, MN img Randolph, MN img Ranier, MN img Ray, MN img Raymond, MN img Reading, MN img Reads Landing, MN img Red Lake Falls, MN img Red Wing, MN img Redby, MN img Redlake, MN img Redwood Falls, MN img Remer, MN img Renville, MN img Revere, MN img Rice, MN img Richmond, MN img Richville, MN img Richwood, MN img Rochert, MN img Rochester, MN img Rock Creek, MN img Rockford, MN img Rockville, MN img Rogers, MN img Rollingstone, MN img Roosevelt, MN img Roscoe, MN img Rose Creek, MN img Roseau, MN img Rosemount, MN img Rothsay, MN img Round Lake, MN img Royalton, MN img Rush City, MN img Rushford, MN img Rushmore, MN img Russell, MN img Ruthton, MN img Sabin, MN img Sacred Heart, MN img Saginaw, MN img Saint Bonifacius, MN img Saint Charles, MN img Saint Clair, MN img Saint Cloud, MN img Saint Francis, MN img Saint Hilaire, MN img Saint James, MN img Saint Joseph, MN img Saint Martin, MN img Saint Michael, MN img Saint Paul, MN img Saint Paul Park, MN img Saint Peter, MN img Saint Stephen, MN img Saint Vincent, MN img Salol, MN img Sanborn, MN img Sandstone, MN img Santiago, MN img Sargeant, MN img Sartell, MN img Sauk Centre, MN img Sauk Rapids, MN img Savage, MN img Sawyer, MN img Scandia, MN img Schroeder, MN img Seaforth, MN img Searles, MN img Sebeka, MN img Shafer, MN img Shakopee, MN img Shelly, MN img Sherburn, MN img Shevlin, MN img Side Lake, MN img Silver Bay, MN img Silver Creek, MN img Silver Lake, MN img Slayton, MN img Sleepy Eye, MN img Solway, MN img Soudan, MN img South Haven, MN img South International Falls, MN img South Saint Paul, MN img Spicer, MN img Spring Grove, MN img Spring Lake, MN img Spring Park, MN img Spring Valley, MN img Springfield, MN img Squaw Lake, MN img Stacy, MN img Stanchfield, MN img Staples, MN img Starbuck, MN img Steen, MN img Stephen, MN img Stewart, MN img Stewartville, MN img Stillwater, MN img Stockton, MN img Storden, MN img Strandquist, MN img Strathcona, MN img Sturgeon Lake, MN img Sunburg, MN img Swan River, MN img Swanville, MN img Swatara, MN img Swift, MN img Taconite, MN img Talmoon, MN img Tamarack, MN img Taopi, MN img Taunton, MN img Taylors Falls, MN img Tenstrike, MN img Thief River Falls, MN img Tintah, MN img Tofte, MN img Tower, MN img Tracy, MN img Trail, MN img Trimont, MN img Trosky, MN img Truman, MN img Twig, MN img Twin Lakes, MN img Twin Valley, MN img Two Harbors, MN img Tyler, MN img Ulen, MN img Underwood, MN img Upsala, MN img Utica, MN img Vergas, MN img Vermillion, MN img Verndale, MN img Vernon Center, MN img Vesta, MN img Victoria, MN img Viking, MN img Villard, MN img Vining, MN img Virginia, MN img Wabasha, MN img Wabasso, MN img Waconia, MN img Wadena, MN img Wahkon, MN img Waite Park, MN img Waldorf, MN img Walker, MN img Walnut Grove, MN img Waltham, MN img Wanamingo, MN img Wanda, MN img Wannaska, MN img Warba, MN img Warren, MN img Warroad, MN img Warsaw, MN img Waseca, MN img Waskish, MN img Watertown, MN img Waterville, MN img Watkins, MN img Watson, MN img Waubun, MN img Waverly, MN img Wayzata, MN img Webster, MN img Welch, MN img Welcome, MN img Wells, MN img Wendell, MN img West Concord, MN img West Union, MN img Westbrook, MN img Wheaton, MN img White Earth, MN img Willernie, MN img Williams, MN img Willmar, MN img Willow River, MN img Wilmont, MN img Wilton, MN img Windom, MN img Winger, MN img Winnebago, MN img Winona, MN img Winsted, MN img Winthrop, MN img Winton, MN img Wirt, MN img Wolf Lake, MN img Wolverton, MN img Wood Lake, MN img Woodstock, MN img Worthington, MN img Wrenshall, MN img Wright, MN img Wykoff, MN img Wyoming, MN img Young America, MN img Zimmerman, MN img Zumbro Falls, MN

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