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Choosing Universal Life Insurance in Oregon

How Universal Life Insurance Works in Oregon

With Oregon 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 Oregon Universal Life Insurance

The primary features of universal life insurance in Oregon 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 Oregon 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 Oregon

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 Oregon 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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Point, OR img Chemult, OR img Cheshire, OR img Chiloquin, OR img Christmas Valley, OR img Clackamas, OR img Clatskanie, OR img Cloverdale, OR img Colton, OR img Columbia City, OR img Condon, OR img Coos Bay, OR img Coquille, OR img Corbett, OR img Cornelius, OR img Corvallis, OR img Cottage Grove, OR img Cove, OR img Crabtree, OR img Crane, OR img Crater Lake, OR img Crawfordsville, OR img Crescent, OR img Crescent Lake, OR img Creswell, OR img Culp Creek, OR img Culver, OR img Curtin, OR img Dairy, OR img Dallas, OR img Days Creek, OR img Dayton, OR img Dayville, OR img Deadwood, OR img Deer Island, OR img Depoe Bay, OR img Detroit, OR img Dexter, OR img Diamond, OR img Dillard, OR img Donald, OR img Dorena, OR img Drain, OR img Drewsey, OR img Dufur, OR img Dundee, OR img Durkee, OR img Eagle Creek, OR img Eagle Point, OR img Echo, OR img Eddyville, OR img Elgin, OR img Elkton, OR img Elmira, OR img Enterprise, OR img Estacada, OR img Eugene, OR img Fairview, OR img Fall Creek, OR 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Valley, OR img Joseph, OR img Junction City, OR img Juntura, OR img Keizer, OR img Keno, OR img Kent, OR img Kerby, OR img Kimberly, OR img Klamath Falls, OR img La Grande, OR img La Pine, OR img Lafayette, OR img Lake Oswego, OR img Lakeside, OR img Lakeview, OR img Langlois, OR img Lawen, OR img Lebanon, OR img Lexington, OR img Lincoln City, OR img Logsden, OR img Long Creek, OR img Lorane, OR img Lostine, OR img Lowell, OR img Lyons, OR img Madras, OR img Malin, OR img Manning, OR img Manzanita, OR img Mapleton, OR img Marcola, OR img Marion, OR img Marylhurst, OR img Maupin, OR img Mcminnville, OR img Meacham, OR img Medford, OR img Mehama, OR img Merlin, OR img Merrill, OR img Midland, OR img Mikkalo, OR img Mill City, OR img Milton Freewater, OR img Mitchell, OR img Molalla, OR img Monmouth, OR img Monroe, OR img Monument, OR img Moro, OR img Mosier, OR img Mount Angel, OR img Mount Hood Parkdale, OR img Mount Vernon, OR img Mulino, OR img Murphy, OR img Myrtle Creek, OR img Myrtle Point, OR img Nehalem, OR img Neotsu, OR img Neskowin, OR img Netarts, OR img New Pine Creek, OR img Newberg, OR img Newport, OR img North Bend, OR img North Plains, OR img North Powder, OR img Norway, OR img Noti, OR img Nyssa, OR img O Brien, OR img Oakland, OR img Oakridge, OR img Oceanside, OR img Odell, OR img Ontario, OR img Ophir, OR img Oregon City, OR img Otis, OR img Otter Rock, OR img Oxbow, OR img Pacific City, OR img Paisley, OR img Paulina, OR img Pendleton, OR img Philomath, OR img Phoenix, OR img Pilot Rock, OR img Pleasant Hill, OR img Plush, OR img Port Orford, OR img Portland, OR img Post, OR img Powell Butte, OR img Powers, OR img Prairie City, OR img Princeton, OR img Prineville, OR img Prospect, OR img Rainier, OR img Redmond, OR img Reedsport, OR img Remote, OR img Rhododendron, OR img Richland, OR img Rickreall, OR img Riddle, OR img Riley, OR img Ritter, OR img Riverside, OR img Rockaway Beach, OR img Rogue River, OR img Rose Lodge, OR img Roseburg, OR 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