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Choosing Universal Life Insurance in Wyoming

How Universal Life Insurance Works in Wyoming

With Wyoming 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 Wyoming Universal Life Insurance

The primary features of universal life insurance in Wyoming 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 Wyoming 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 Wyoming

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 Wyoming 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 Afton, WY img Aladdin, WY img Albin, WY img Alcova, WY img Alpine, WY img Alva, WY img Arapahoe, WY img Arminto, WY img Arvada, WY img Auburn, WY img Baggs, WY img Bairoil, WY img Banner, WY img Basin, WY img Bedford, WY img Beulah, WY img Big Horn, WY img Big Piney, WY img Bill, WY img Bondurant, WY img Bosler, WY img Boulder, WY img Buffalo, WY img Buford, WY img Burlington, WY img Burns, WY img Byron, WY img Carlile, WY img Carpenter, WY img Casper, WY img Centennial, WY img Cheyenne, WY img Chugwater, WY img Clearmont, WY img Cody, WY img Cokeville, WY img Cora, WY img Cowley, WY img Crowheart, WY img Daniel, WY img Dayton, WY img Deaver, WY img Devils Tower, WY img Diamondville, WY img Dixon, WY img Douglas, WY img Dubois, WY img Edgerton, WY img Elk Mountain, WY img Emblem, WY img Encampment, WY img Etna, WY img Evanston, WY img Evansville, WY img Fairview, WY img Farson, WY img Fe Warren Afb, WY img Fort Bridger, WY img Fort Laramie, WY img Fort Washakie, WY img Four Corners, WY img Frannie, WY img Freedom, WY img Frontier, WY img Garrett, WY img Gillette, WY img Glendo, WY img Glenrock, WY img Granger, WY img Granite Canon, WY img Green River, WY img Greybull, WY img Grover, WY img Guernsey, WY img Hamilton Dome, WY img Hanna, WY img Hartville, WY img Hawk Springs, WY img Hiland, WY img Hillsdale, WY img Horse Creek, WY img Hudson, WY img Hulett, WY img Huntley, WY img Hyattville, WY img Jackson, WY img Jay Em, WY img Jeffrey City, WY img Jelm, WY img Kaycee, WY img Kelly, WY img Kemmerer, WY img Kinnear, WY img Kirby, WY img La Barge, WY img Lagrange, WY img Lance Creek, WY img Lander, WY img Laramie, WY img Leiter, WY img Linch, WY img Lingle, WY img Little America, WY img Lonetree, WY img Lost Springs, WY img Lovell, WY img Lusk, WY img Lyman, WY img Lysite, WY img Manderson, WY img Manville, WY img Mc Kinnon, WY img Medicine Bow, WY img Meeteetse, WY img Meriden, WY img Midwest, WY img Mills, WY img Moorcroft, WY img Moose, WY img Moran, WY img Mountain View, WY img Natrona, WY img Newcastle, WY img Opal, WY img Osage, WY img Otto, WY img Parkman, WY img Pavillion, WY img Pine Bluffs, WY img Pinedale, WY img Point Of Rocks, WY img Powder River, WY img Powell, WY img Ralston, WY img Ranchester, WY img Rawlins, WY img Recluse, WY img Reliance, WY img Riverton, WY img Robertson, WY img Rock River, WY img Rock Springs, WY img Rozet, WY img Saddlestring, WY img Saint Stephens, WY img Saratoga, WY img Savery, WY img Shawnee, WY img Shell, WY img Sheridan, WY img Shirley Basin, WY img Shoshoni, WY img Sinclair, WY img Smoot, WY img Story, WY img Sundance, WY img Superior, WY img Ten Sleep, WY img Teton Village, WY img Thayne, WY img Thermopolis, WY img Tie Siding, WY img Torrington, WY img Upton, WY img Van Tassell, WY img Veteran, WY img Walcott, WY img Wamsutter, WY img Wapiti, WY img Weston, WY img Wheatland, WY img Wilson, WY img Wolf, WY img Worland, WY img Wright, WY img Wyarno, WY img Yellowstone National Park, WY img Yoder, WY

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