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Choosing Universal Life Insurance in Washington

How Universal Life Insurance Works in Washington

With Washington 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 Washington Universal Life Insurance

The primary features of universal life insurance in Washington 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 Washington 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 Washington

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 Washington 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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Carlton, WA img Carnation, WA img Carrolls, WA img Carson, WA img Cashmere, WA img Castle Rock, WA img Cathlamet, WA img Centerville, WA img Centralia, WA img Chattaroy, WA img Chehalis, WA img Chelan, WA img Chelan Falls, WA img Cheney, WA img Chewelah, WA img Chimacum, WA img Chinook, WA img Cinebar, WA img Clallam Bay, WA img Clarkston, WA img Clayton, WA img Cle Elum, WA img Clearlake, WA img Clinton, WA img Colbert, WA img Colfax, WA img College Place, WA img Colton, WA img Colville, WA img Conconully, WA img Concrete, WA img Connell, WA img Conway, WA img Copalis Beach, WA img Copalis Crossing, WA img Cosmopolis, WA img Cougar, WA img Coulee City, WA img Coulee Dam, WA img Coupeville, WA img Cowiche, WA img Creston, WA img Cunningham, WA img Curlew, WA img Curtis, WA img Cusick, WA img Custer, WA img Dallesport, WA img Danville, WA img Darrington, WA img Davenport, WA img Dayton, WA img Deer Harbor, WA img Deer Park, WA img Deming, WA img Dixie, WA img Doty, WA img Dryden, WA img Dupont, WA img Duvall, WA img East Olympia, WA img East Wenatchee, WA img Easton, WA img Eastsound, WA img Eatonville, WA img Edmonds, WA img Edwall, WA img Elbe, WA img Electric City, WA img Elk, WA img Ellensburg, WA img Elma, WA img Elmer City, WA img Eltopia, WA img Endicott, WA img Entiat, WA img Enumclaw, WA img Ephrata, WA img Ethel, WA img Evans, WA img Everett, WA img Everson, WA img Fairchild Air Force Base, WA img Fairfield, WA img Fall City, WA img Farmington, WA img Federal Way, WA img Ferndale, WA img Ford, WA img Forks, WA img Four Lakes, WA img Fox Island, WA img Freeland, WA img Freeman, WA img Friday Harbor, WA img Fruitland, WA img Galvin, WA img Garfield, WA img George, WA img Gifford, WA img Gig Harbor, WA img Glenoma, WA img Glenwood, WA img Gold Bar, WA img Goldendale, WA img Goose Prairie, WA img Graham, WA img Grand Coulee, WA img Grandview, WA img Granger, WA img Granite Falls, WA img Grapeview, WA img Grayland, WA img Grays River, WA img Greenacres, WA img Greenbank, WA img Hamilton, WA img Hansville, WA img Harrah, WA img Harrington, WA img Hartline, WA img Hatton, WA img Hay, WA img Heisson, WA img Hobart, WA img Hoodsport, WA img Hooper, WA img Hoquiam, WA img Humptulips, WA img Hunters, WA img Husum, WA img Ilwaco, WA img Inchelium, WA img Index, WA img Indianola, WA img Ione, WA img Issaquah, WA img Joyce, WA img Kahlotus, WA img Kalama, WA img Kapowsin, WA img Keller, WA img Kelso, WA img Kenmore, WA img Kennewick, WA img Kent, WA img Kettle Falls, WA img Keyport, WA img Kingston, WA img Kirkland, WA img Kittitas, WA img Klickitat, WA img La Center, WA img La Conner, WA img La Grande, WA img La Push, WA img Lacey, WA img Lacrosse, WA img Lake Stevens, WA img Lakebay, WA img Lakewood, WA img Lamona, WA img Lamont, WA img Langley, WA img Latah, WA img Laurier, WA img Leavenworth, WA img Lebam, WA img Liberty Lake, WA img Lilliwaup, WA img Lincoln, WA img Lind, WA img Littlerock, WA img Long Beach, WA img Longbranch, WA img Longmire, WA img Longview, WA img Loomis, WA img Loon Lake, WA img Lopez Island, WA img Lummi Island, WA img Lyle, WA img Lyman, WA img Lynden, WA img Lynnwood, WA img Mabton, WA img Malaga, WA img Malden, WA img Malo, WA img Malone, WA img Malott, WA img Manchester, WA img Mansfield, WA img Manson, WA img Maple Falls, WA img Maple Valley, WA img Marblemount, WA img Marcus, WA img Marlin, WA img Marshall, WA img Marysville, WA img Matlock, WA img Mattawa, WA img Mazama, WA img Mccleary, WA img Mckenna, WA img Mead, WA img Medical Lake, WA img Medina, WA img Menlo, WA img Mercer Island, WA img Mesa, WA img Metaline, WA img Metaline Falls, WA img Methow, WA img Mica, WA img Milton, WA img Mineral, WA img Moclips, WA img Mohler, WA img Monitor, WA img Monroe, WA img Montesano, WA img Morton, WA img Moses Lake, WA img Mossyrock, WA img Mount Vernon, WA img Mountlake Terrace, WA img Moxee, WA img Mukilteo, WA img Naches, WA img Nahcotta, WA img Napavine, WA img Naselle, WA img Neah Bay, WA img Neilton, WA img Nespelem, WA img Newman Lake, WA img Newport, WA img Nine Mile Falls, WA img Nooksack, WA img Nordland, WA img North Bend, WA img North Bonneville, WA img North Lakewood, WA img Northport, WA img Oak Harbor, WA img Oakesdale, WA img Oakville, WA img Ocean Park, WA img Ocean Shores, WA img Odessa, WA img Okanogan, WA img Olalla, WA img Olga, WA img Olympia, WA img Omak, WA img Onalaska, WA img Orcas, WA img Orient, WA img Orondo, WA img Oroville, WA img Orting, WA img Othello, WA img Otis Orchards, WA img Outlook, WA img Oysterville, WA img Pacific, WA img Pacific Beach, WA img Packwood, WA img Palisades, WA img Palouse, WA img Paradise Inn, WA img Parker, WA img Pasco, WA img Pateros, WA img Paterson, WA img Pe Ell, WA img Peshastin, WA img Plymouth, WA img Point Roberts, WA img Pomeroy, WA img Port Angeles, WA img Port Gamble, WA img Port Hadlock, WA img Port Ludlow, WA img Port Orchard, WA img Port Townsend, WA img Poulsbo, WA img Prescott, WA img Preston, WA img Prosser, WA img Pullman, WA img Puyallup, WA img Quilcene, WA img Quinault, WA img Quincy, WA img Rainier, WA img Randle, WA img Ravensdale, WA img Raymond, WA img Reardan, WA img Redmond, WA img Redondo, WA img Renton, WA img Republic, WA img Retsil, WA img Rice, WA img Richland, WA img Ridgefield, WA img Ritzville, WA img Riverside, WA img Rochester, WA img Rock Island, WA img Rockford, WA img Rockport, WA img Rollingbay, WA img Ronald, WA img Roosevelt, WA img Rosalia, WA img Rosburg, WA img Roslyn, WA img Roy, WA img Royal City, WA img Ryderwood, WA img Saint John, WA img Salkum, WA img Sammamish, WA img Satsop, WA img Seabeck, WA img Seahurst, WA img Seattle, WA img Seaview, WA img Sedro Woolley, WA img Sekiu, WA img Selah, WA img Sequim, WA img Shaw Island, WA img Shelton, WA img Silvana, WA img Silver Creek, WA img Silverdale, WA img Silverlake, WA img Skamokawa, WA img Skykomish, WA img Snohomish, WA img Snoqualmie, WA img Snoqualmie Pass, WA img Soap Lake, WA img South Bend, WA img South Cle Elum, WA img South Colby, WA img South Prairie, WA img Southworth, WA img Spanaway, WA img Spangle, WA img Spokane, WA img Sprague, WA img Springdale, WA img Stanwood, WA img Starbuck, WA img Startup, WA img Stehekin, WA img Steilacoom, WA img Steptoe, WA img Stevenson, WA img Stratford, WA img Sultan, WA img Sumas, WA img Sumner, WA img Sunnyside, WA img Suquamish, WA img Tacoma, WA img Taholah, WA img Tahuya, WA img Tekoa, WA img Tenino, WA img Thornton, WA img Thorp, WA img Tieton, WA img Tokeland, WA img Toledo, WA img Tonasket, WA img Toppenish, WA img Touchet, WA img Toutle, WA img Tracyton, WA img Trout Lake, WA img Tumtum, WA img Tumwater, WA img Twisp, WA img Underwood, WA img Union, WA img Uniontown, WA img University Place, WA img Usk, WA img Vader, WA img Valley, WA img Valleyford, WA img Vancouver, WA img Vantage, WA img Vashon, WA img Vaughn, WA img Veradale, WA img Wahkiacus, WA img Waitsburg, WA img Waldron, WA img Walla Walla, WA img Wallula, WA img Wapato, WA img Warden, WA img Washougal, WA img Washtucna, WA img Waterville, WA img Wauconda, WA img Wauna, WA img Waverly, WA img Wellpinit, WA img Wenatchee, WA img West Richland, WA img Westport, WA img White Salmon, WA img White Swan, WA img Wilbur, WA img Wilkeson, WA img Wilson Creek, WA img Winlock, WA img Winthrop, WA img Wishram, WA img Woodinville, WA img Woodland, WA img Yacolt, WA img Yakima, WA img Yelm, WA

Zip codes near Washington


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