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Choosing Universal Life Insurance in North Dakota

How Universal Life Insurance Works in North Dakota

With North Dakota 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 North Dakota Universal Life Insurance

The primary features of universal life insurance in North Dakota 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 North Dakota 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 North Dakota

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 North Dakota 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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ND img Fort Ransom, ND img Fort Totten, ND img Fort Yates, ND img Fortuna, ND img Fredonia, ND img Fullerton, ND img Gackle, ND img Galesburg, ND img Gardner, ND img Garrison, ND img Gilby, ND img Gladstone, ND img Glasston, ND img Glen Ullin, ND img Glenburn, ND img Glenfield, ND img Golden Valley, ND img Golva, ND img Goodrich, ND img Grace City, ND img Grafton, ND img Grand Forks, ND img Grand Forks Afb, ND img Grandin, ND img Granville, ND img Grassy Butte, ND img Great Bend, ND img Grenora, ND img Gwinner, ND img Hague, ND img Halliday, ND img Hamberg, ND img Hamilton, ND img Hampden, ND img Hankinson, ND img Hannaford, ND img Hannah, ND img Hansboro, ND img Harvey, ND img Harwood, ND img Hatton, ND img Havana, ND img Hazelton, ND img Hazen, ND img Hebron, ND img Hensel, ND img Hettinger, ND img Hillsboro, ND img Hoople, ND img Hope, ND img Horace, ND img Hunter, ND img Hurdsfield, ND img Inkster, ND img Jamestown, ND img Jessie, ND img Jud, ND img Karlsruhe, ND img Kathryn, ND 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ND img Saint John, ND img Saint Michael, ND img Saint Thomas, ND img Sanborn, ND img Sarles, ND img Sawyer, ND img Scranton, ND img Selfridge, ND img Sentinel Butte, ND img Sharon, ND img Sheldon, ND img Sherwood, ND img Sheyenne, ND img Shields, ND img Solen, ND img Souris, ND img South Heart, ND img Spiritwood, ND img Stanley, ND img Stanton, ND img Starkweather, ND img Steele, ND img Sterling, ND img Stirum, ND img Strasburg, ND img Streeter, ND img Surrey, ND img Sutton, ND img Sykeston, ND img Tappen, ND img Taylor, ND img Thompson, ND img Tioga, ND img Tokio, ND img Tolley, ND img Tolna, ND img Tower City, ND img Towner, ND img Trenton, ND img Turtle Lake, ND img Tuttle, ND img Underwood, ND img Upham, ND img Valley City, ND img Velva, ND img Venturia, ND img Verona, ND img Voltaire, ND img Wahpeton, ND img Walcott, ND img Wales, ND img Walhalla, ND img Warwick, ND img Washburn, ND img Watford City, ND img Webster, ND img West Fargo, ND img Westhope, ND img Wheatland, ND img 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Zip codes near North Dakota


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