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Choosing Universal Life Insurance in Mississippi

How Universal Life Insurance Works in Mississippi

With Mississippi 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 Mississippi Universal Life Insurance

The primary features of universal life insurance in Mississippi 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 Mississippi 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 Mississippi

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 Mississippi 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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Jackson, MS img Jayess, MS img Jonestown, MS img Kilmichael, MS img Kiln, MS img Kokomo, MS img Kosciusko, MS img Lake, MS img Lake Cormorant, MS img Lakeshore, MS img Lamar, MS img Lambert, MS img Lauderdale, MS img Laurel, MS img Lawrence, MS img Leakesville, MS img Leland, MS img Lena, MS img Lexington, MS img Liberty, MS img Little Rock, MS img Long Beach, MS img Lorman, MS img Louin, MS img Louise, MS img Louisville, MS img Lucedale, MS img Ludlow, MS img Lula, MS img Lumberton, MS img Lyon, MS img Maben, MS img Macon, MS img Madden, MS img Madison, MS img Magee, MS img Magnolia, MS img Mantachie, MS img Mantee, MS img Marietta, MS img Marion, MS img Marks, MS img Mathiston, MS img Mattson, MS img Mayersville, MS img Mayhew, MS img Mc Adams, MS img Mc Call Creek, MS img Mc Carley, MS img Mc Condy, MS img Mc Cool, MS img Mc Henry, MS img Mc Lain, MS img Mc Neill, MS img Mccomb, MS img Meadville, MS img Mendenhall, MS img Meridian, MS img Merigold, MS img Metcalfe, MS img Michigan 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Valley Park, MS img Van Vleet, MS img Vance, MS img Vancleave, MS img Vardaman, MS img Vaughan, MS img Verona, MS img Vicksburg, MS img Victoria, MS img Vossburg, MS img Walls, MS img Walnut, MS img Walnut Grove, MS img Walthall, MS img Washington, MS img Water Valley, MS img Waterford, MS img Waveland, MS img Waynesboro, MS img Wayside, MS img Webb, MS img Weir, MS img Wesson, MS img West, MS img West Point, MS img Wheeler, MS img Whitfield, MS img Wiggins, MS img Winona, MS img Winstonville, MS img Winterville, MS img Woodland, MS img Woodville, MS

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