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Choosing Universal Life Insurance in New Mexico

How Universal Life Insurance Works in New Mexico

With New Mexico 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 New Mexico Universal Life Insurance

The primary features of universal life insurance in New Mexico 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 New Mexico 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 New Mexico

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 New Mexico 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 Abiquiu, NM img Alamogordo, NM img Albuquerque, NM img Alcalde, NM img Algodones, NM img Alto, NM img Amalia, NM img Amistad, NM img Angel Fire, NM img Animas, NM img Anthony, NM img Anton Chico, NM img Aragon, NM img Arenas Valley, NM img Arrey, NM img Arroyo Hondo, NM img Arroyo Seco, NM img Artesia, NM img Aztec, NM img Bard, NM img Bayard, NM img Belen, NM img Bell Ranch, NM img Bent, NM img Berino, NM img Bernalillo, NM img Blanco, NM img Bloomfield, NM img Bluewater, NM img Bosque, NM img Bosque Farms, NM img Brimhall, NM img Broadview, NM img Buckhorn, NM img Buena Vista, NM img Caballo, NM img Canjilon, NM img Cannon Afb, NM img Canones, NM img Capitan, NM img Caprock, NM img Capulin, NM img Carlsbad, NM img Carrizozo, NM img Carson, NM img Casa Blanca, NM img Causey, NM img Cebolla, NM img Cedar Crest, NM img Cedarvale, NM img Cerrillos, NM img Cerro, NM img Chacon, NM img Chama, NM img Chamberino, NM img Chamisal, NM img Chimayo, NM img Church Rock, NM img Cimarron, NM img Claunch, NM img Clayton, NM img Cleveland, NM img Cliff, NM img Clines Corners, NM img Cloudcroft, NM img Clovis, NM img Cochiti Lake, NM img Cochiti Pueblo, NM img Columbus, NM img Conchas Dam, NM img Continental Divide, NM img Cordova, NM img Corona, NM img Corrales, NM img Costilla, NM img Counselor, NM img Coyote, NM img Crossroads, NM img Crownpoint, NM img Cuba, NM img Cubero, NM img Cuervo, NM img Datil, NM img Deming, NM img Derry, NM img Des Moines, NM img Dexter, NM img Dixon, NM img Dona Ana, NM img Dora, NM img Dulce, NM img Eagle Nest, NM img Edgewood, NM img El Prado, NM img El Rito, NM img Elephant Butte, NM img Elida, NM img Embudo, NM img Encino, NM img Espanola, NM img Estancia, NM img Eunice, NM img Fairacres, NM img Farmington, NM img Faywood, NM img Fence Lake, NM img Flora Vista, NM img Floyd, NM img Folsom, NM img Fort Bayard, NM img Fort Stanton, NM img Fort Sumner, NM img Fort Wingate, NM img Fruitland, NM img Gallina, NM img Gallup, NM img Gamerco, NM img Garfield, NM img Garita, NM img Gila, NM img Gladstone, NM img Glencoe, NM img Glenwood, NM img Glorieta, NM img Grady, NM img Grants, NM img Grenville, NM img Guadalupita, NM img Hachita, NM img Hagerman, NM img Hanover, NM img Hatch, NM img Hernandez, NM img High Rolls Mountain Park, NM img Hillsboro, NM img Hobbs, NM img Holloman Air Force Base, NM img Holman, NM img Hondo, NM img Hope, NM img House, NM img Hurley, NM img Ilfeld, NM img Isleta, NM img Jal, NM img Jamestown, NM img Jarales, NM img Jemez Pueblo, NM img Jemez Springs, NM img Kenna, NM img Kirtland, NM img Kirtland Afb, NM img La Jara, NM img La Joya, NM img La Loma, NM img La Luz, NM img La Madera, NM img La Mesa, NM img La Plata, NM img Laguna, NM img Lake Arthur, NM img Lakewood, NM img Lamy, NM img Las Cruces, NM img Las Vegas, NM img Lemitar, NM img Lincoln, NM img Lindrith, NM img Lingo, NM img Llano, NM img Loco Hills, NM img Logan, NM img Lordsburg, NM img Los Alamos, NM img Los Lunas, NM img Los Ojos, NM img Loving, NM img Lovington, NM img Luna, NM img Magdalena, NM img Malaga, NM img Maljamar, NM img Maxwell, NM img Mayhill, NM img Mc Alister, NM img Mc Donald, NM img Mc Intosh, NM img Mcalister, NM img Medanales, NM img Melrose, NM img Mentmore, NM img Mescalero, NM img Mesilla, NM img Mesilla Park, NM img Mesquite, NM img Mexican Springs, NM img Miami, NM img Milan, NM img Mills, NM img Milnesand, NM img Mimbres, NM img Montezuma, NM img Monticello, NM img Monument, NM img Mora, NM img Moriarty, NM img Mosquero, NM img Mount Dora, NM img Mountainair, NM img Mule Creek, NM img Nageezi, NM img Nara Visa, NM img Navajo, NM img Navajo Dam, NM img New Laguna, NM img Newcomb, NM img Newkirk, NM img Nogal, NM img Ocate, NM img Ohkay Owingeh, NM img Ojo Caliente, NM img Ojo Feliz, NM img Organ, NM img Orogrande, NM img Paguate, NM img Pecos, NM img Pena Blanca, NM img Penasco, NM img Pep, NM img Peralta, NM img Petaca, NM img Picacho, NM img Pie Town, NM img Pinehill, NM img Pinon, NM img Pinos Altos, NM img Placitas, NM img Playas, NM img Polvadera, NM img Ponderosa, NM img Portales, NM img Prewitt, NM img Pueblo Of Acoma, NM img Quay, NM img Quemado, NM img Questa, NM img Radium Springs, NM img Rainsville, NM img Ramah, NM img Ranchos De Taos, NM img Raton, NM img Red River, NM img Redrock, NM img Regina, NM img Rehoboth, NM img Reserve, NM img Ribera, NM img Rincon, NM img Rio Rancho, NM img Rociada, NM img Rodeo, NM img Rogers, NM img Roswell, NM img Rowe, NM img Roy, NM img Ruidoso, NM img Ruidoso Downs, NM img Sacramento, NM img Saint Vrain, NM img Salem, NM img San Acacia, NM img San Antonio, NM img San Cristobal, NM img San Fidel, NM img San Jon, NM img San Jose, NM img San Juan Pueblo, NM img San Miguel, NM img San Patricio, NM img San Rafael, NM img San Ysidro, NM img Sandia Park, NM img Sanostee, NM img Santa Clara, NM img Santa Cruz, NM img Santa Fe, NM img Santa Rosa, NM img Santa Teresa, NM img Santo Domingo Pueblo, NM img Sapello, NM img Sedan, NM img Seneca, NM img Serafina, NM img Sheep Springs, NM img Shiprock, NM img Silver City, NM img Smith Lake, NM img Socorro, NM img Solano, NM img Springer, NM img Stanley, NM img Sunland Park, NM img Sunspot, NM img Taiban, NM img Tajique, NM img Taos, NM img Taos Ski Valley, NM img Tatum, NM img Tererro, NM img Tesuque, NM img Texico, NM img Thoreau, NM img Tierra Amarilla, NM img Tijeras, NM img Timberon, NM img Tinnie, NM img Tohatchi, NM img Tome, NM img Torreon, NM img Trampas, NM img Trementina, NM img Tres Piedras, NM img Truchas, NM img Truth Or Consequences, NM img Tucumcari, NM img Tularosa, NM img Tyrone, NM img Ute Park, NM img Vadito, NM img Vado, NM img Valdez, NM img Vallecitos, NM img Valmora, NM img Vanderwagen, NM img Vaughn, NM img Veguita, NM img Velarde, NM img Villanueva, NM img Wagon Mound, NM img Waterflow, NM img Watrous, NM img Weed, NM img White Sands Missile Range, NM img Whites City, NM img Willard, NM img Williamsburg, NM img Winston, NM img Yatahey, NM img Yeso, NM img Youngsville, NM

Zip codes near New Mexico


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