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Choosing Universal Life Insurance in South Dakota

How Universal Life Insurance Works in South Dakota

With South 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 South Dakota Universal Life Insurance

The primary features of universal life insurance in South 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 South 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 South 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 South 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

img Aberdeen, SD img Agar, SD img Akaska, SD img Alcester, SD img Alexandria, SD img Allen, SD img Alpena, SD img Amherst, SD img Andover, SD img Arlington, SD img Armour, SD img Artesian, SD img Ashton, SD img Astoria, SD img Aurora, SD img Avon, SD img Badger, SD img Baltic, SD img Barnard, SD img Batesland, SD img Bath, SD img Belle Fourche, SD img Belvidere, SD img Beresford, SD img Bethlehem, SD img Big Stone City, SD img Bison, SD img Black Hawk, SD img Blunt, SD img Bonesteel, SD img Bowdle, SD img Box Elder, SD img Bradley, SD img Brandon, SD img Brandt, SD img Brentford, SD img Bridgewater, SD img Bristol, SD img Britton, SD img Brookings, SD img Bruce, SD img Bryant, SD img Buffalo, SD img Buffalo Gap, SD img Buffalo Ridge, SD img Bullhead, SD img Burbank, SD img Burke, SD img Camp Crook, SD img Canistota, SD img Canova, SD img Canton, SD img Caputa, SD img Carpenter, SD img Carter, SD img Carthage, SD img Castlewood, SD img Cavour, SD img Centerville, SD img Chamberlain, SD img Chancellor, SD img Cherry Creek, SD img Chester, SD img Claire City, SD img Claremont, SD img Clark, SD img Clear Lake, SD img Colman, SD img Colome, SD img Colton, SD img Columbia, SD img Conde, SD img Corona, SD img Corsica, SD img Creighton, SD img Cresbard, SD img Crooks, SD img Custer, SD img Dallas, SD img Dante, SD img Davis, SD img De Smet, SD img Deadwood, SD img Dell Rapids, SD img Delmont, SD img Dimock, SD img Doland, SD img Draper, SD img Dupree, SD img Eagle Butte, SD img Eden, SD img Edgemont, SD img Egan, SD img Elk Point, SD img Elkton, SD img Ellsworth Afb, SD img Elm Springs, SD img Emery, SD img Enning, SD img Erwin, SD img Estelline, SD img Ethan, SD img Eureka, SD img Fairburn, SD img Fairfax, SD img Fairview, SD img Faith, SD img Faulkton, SD img Fedora, SD img Ferney, SD img Firesteel, SD img Flandreau, SD img Florence, SD img Fort Meade, SD img Fort Pierre, SD img Fort Thompson, SD img Frankfort, SD img Frederick, SD img Freeman, SD img Fruitdale, SD img Fulton, SD img Gann Valley, SD img Garden City, SD img Garretson, SD img Gary, SD img Gayville, SD img Geddes, SD img Gettysburg, SD img Glad Valley, SD img Glencross, SD img Glenham, SD img Goodwin, SD img Gregory, SD img Grenville, SD img Groton, SD img Hamill, SD img Harrisburg, SD img Harrison, SD img Harrold, SD img Hartford, SD img Hayes, SD img Hayti, SD img Hazel, SD img Hecla, SD img Henry, SD img Hermosa, SD img Herreid, SD img Herrick, SD img Hetland, SD img Highmore, SD img Hill City, SD img Hitchcock, SD img Holabird, SD img Hosmer, SD img Hot Springs, SD img Houghton, SD img Hoven, SD img Howard, SD img Howes, SD img Hudson, SD img Humboldt, SD img Hurley, SD img Huron, SD img Ideal, SD img Interior, SD img Iona, SD img Ipswich, SD img Irene, SD img Iroquois, SD img Isabel, SD img Java, SD img Jefferson, SD img Kadoka, SD img Kaylor, SD img Keldron, SD img Kennebec, SD img Keystone, SD img Kimball, SD img Kranzburg, SD img Kyle, SD img Labolt, SD img Lake Andes, SD img Lake City, SD img Lake Norden, SD img Lake Preston, SD img Lane, SD img Langford, SD img Lantry, SD img Lead, SD img Lebanon, SD img Lemmon, SD img Lennox, SD img Leola, SD img Lesterville, SD img Letcher, SD img Little Eagle, SD img Lodgepole, SD img Long Lake, SD img Long Valley, SD img Longlake, SD img Lower Brule, SD img Ludlow, SD img Lyons, SD img Madison, SD img Mahto, SD img Manderson, SD img Mansfield, SD img Marion, SD img Martin, SD img Marty, SD img Marvin, SD img Mc Intosh, SD img Mc Laughlin, SD img Meadow, SD img Meckling, SD img Mellette, SD img Menno, SD img Midland, SD img Milbank, SD img Milesville, SD img Miller, SD img Mina, SD img Mission, SD img Mission Hill, SD img Mission Ridge, SD img Mitchell, SD img Mobridge, SD img Monroe, SD img Montrose, SD img Morristown, SD img Mound City, SD img Mount Vernon, SD img Mud Butte, SD img Murdo, SD img Nemo, SD img New Effington, SD img New Holland, SD img New Underwood, SD img Newell, SD img Nisland, SD img Norris, SD img North Sioux City, SD img Northville, SD img Nunda, SD img Oacoma, SD img Oelrichs, SD img Oglala, SD img Okaton, SD img Okreek, SD img Oldham, SD img Olivet, SD img Onaka, SD img Onida, SD img Opal, SD img Oral, SD img Orient, SD img Ortley, SD img Owanka, SD img Parade, SD img Parker, SD img Parkston, SD img Parmelee, SD img Peever, SD img Philip, SD img Pickstown, SD img Piedmont, SD img Pierpont, SD img Pierre, SD img Pine Ridge, SD img Plankinton, SD img Platte, SD img Pollock, SD img Porcupine, SD img Prairie City, SD img Presho, SD img Pringle, SD img Provo, SD img Pukwana, SD img Quinn, SD img Ralph, SD img Ramona, SD img Rapid City, SD img Ravinia, SD img Raymond, SD img Red Owl, SD img Redfield, SD img Redig, SD img Ree Heights, SD img Reliance, SD img Renner, SD img Reva, SD img Revillo, SD img Ridgeview, SD img Rochford, SD img Rockham, SD img Roscoe, SD img Rosebud, SD img Rosholt, SD img Roslyn, SD img Rowena, SD img Rutland, SD img Saint Charles, SD img Saint Francis, SD img Saint Lawrence, SD img Saint Onge, SD img Salem, SD img Scenic, SD img Scotland, SD img Selby, SD img Seneca, SD img Shadehill, SD img Sinai, SD img Sioux Falls, SD img Sisseton, SD img Smithwick, SD img South Shore, SD img Spearfish, SD img Spencer, SD img Springfield, SD img Stephan, SD img Stickney, SD img Stockholm, SD img Strandburg, SD img Stratford, SD img Sturgis, SD img Summit, SD img Tabor, SD img Tea, SD img Timber Lake, SD img Tolstoy, SD img Toronto, SD img Trail City, SD img Trent, SD img Tripp, SD img Tulare, SD img Turton, SD img Tuthill, SD img Twin Brooks, SD img Tyndall, SD img Union Center, SD img Utica, SD img Vale, SD img Valley Springs, SD img Veblen, SD img Vermillion, SD img Viborg, SD img Vienna, SD img Virgil, SD img Vivian, SD img Volga, SD img Volin, SD img Wagner, SD img Wakonda, SD img Wakpala, SD img Walker, SD img Wall, SD img Wallace, SD img Wanblee, SD img Ward, SD img Warner, SD img Wasta, SD img Watauga, SD img Watertown, SD img Waubay, SD img Waverly, SD img Webster, SD img Wentworth, SD img Wessington, SD img Wessington Springs, SD img Westport, SD img Wewela, SD img White, SD img White Lake, SD img White Owl, SD img White River, SD img Whitehorse, SD img Whitewood, SD img Willow Lake, SD img Wilmot, SD img Winfred, SD img Winner, SD img Witten, SD img Wolsey, SD img Wood, SD img Woonsocket, SD img Worthing, SD img Wounded Knee, SD img Yale, SD

Zip codes near South Dakota


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