Reader’s Question: I’ve heard of universal life insurance but am not sure what it is. It was just mentioned to me in passing the other night. I was intrigued since I only knew whole life insurance. What is universal life insurance and is it available in Fresno California ? Landon Fresno, CA I am so [...]

Reader’s Question: What are equity-indexed universal life insurance policies? My friend from California mentioned it but I’m not sure if it’s being offered in San Antonio Texas – is it? Sarah San Antonio, TX Hi there Sarah! Your friend seems to know quite a bit more than the usual about life insurance policies. I’m not [...]

Reader’s Question: Is term life insurance coverage a good alternative to universal life insurance? A friend here in Montgomery is suggesting it. Grace Montgomery, AL Hi Grace! It’s good to hear that you’re thinking of purchasing life insurance coverage. Someone once told me that the uncertainties are the only things we can expect for certain; [...]

Reader’s Question: How can I buy cheapest whole life insurance premium here in Cincinnati? Are there companies that offer cheap whole life insurance? Daniel Cincinnati, OH Hello Daniel Actually, whole life insurance premiums are substantially high compared to the term life insurance. Perhaps, you’ve already heard that term life insurance is the cheapest life insurance [...]

Reader’s Question: The internet is a very good tool for people like me who wants to search for so many topics. Lately, I came across whole life insurance and universal insurance in Pennsylvania. I have a hard time understanding the two products; please I need your good help. Carry Scranton, PA It is a little [...]

Reader’s Question: I have heard of the new life insurance product called the universal life insurance. What are the special features of universal life? Would it be available in Nebraska ? Judith Omaha, NE Certainly, Judith, your insurer in Omaha will carry the universal life as part of the life insurance product line. Thank you [...]

Reader’s Question: I am thinking of buying my own life insurance in Anaheim California CA. What would be more beneficial a universal life insurance or a whole life insurance? Mary Anaheim, CA Hi, Mary! Universal life insurance would be best for those who are young and are just starting to build their future. If you [...]

Reader’s Question: Hi! Can I change the person who is my beneficiary even after I have made several payments on my premium? I just got a universal life insurance policy here in Indianapolis, Indiana IN and have just made my second premium payment. Gabriel Indianapolis, IN Hi there Gabirel! If you happen to be the [...]