Reader’s Question: I’ve heard a lot about how much coverage one should have under a life insurance policy (my neighbors here in Minnesota just loves to talk about these things!), How much universal life insurance, in essence, would you recommend? Lee Minneapolis, MN This is a very good question. Everyone who wishes to have life [...]

Reader’s Question: What are the benefits that I can get from universal life insurance policy aside from the flexibility in the amount applied to life insurance policy? Janice Fort Collins, CO A universal life insurance policy is a term life insurance policy that has element of savings. If you are a policy holder of a [...]

Reader’s Question: If I die, what can my family expect to receive from my universal life insurance policy when they file a claim? Paul Westminster Colorado CO Your family is lucky to have someone like you who cares a lot about them, Liam. Your family should be informed that universal life insurance claims in Colorado [...]

Reader’s Question:   Why should I go with a Universal Life Insurance Plan? Are they better than the whole life policy that I currently have here in North Carolina?   Enrico   Charlotte, NC   Universal Life Insurance Plans are a type of whole life or permanent life insurance coverage that is geared more towards [...]

Reader’s Question: I’ve decided to get a universal life insurance policy from a reputable company here in New Jersey, I would need to undergo a medical exam, what should I expect during this exam? Clyde Elizabeth, NJ Congratulations on deciding to get life insurance! Now comes what seems to be the most awkward part of [...]

Reader’s Question: I currently own a 2-year old life insurance policy but I’m not satisfied with the premiums I’m paying. Can I do something to get cheaper life insurance rates? Baron Lafayette, IN Yes, the good news is that there are still some effective ways to get savings on your life insurance coverage. Here are [...]

Reader’s Question: What is Equity Universal life insurance index? How is it different to other types of universal life insurance like variable life policy? Tina Jackson MS   Just like any other type of permanent life insurance, Equity Universal insurance index provides life insurance protection as well as an investment aspect commonly referred as the [...]

Reader’s Question: This is the first time that I would search for my life insurance so I need some expert’s advice. How do I find the best universal life insurance companies here in Arizona to offer me good quotes that I can choose from? Antoine Scottsdale, AZ There are a lot of helpful resources that [...]

Reader’s Question:   I’m looking to get my first universal life insurance policy for my work here in Georgia, I’m wondering how I should go about doing this?   Ayers   Savannah, GA   For many people, choosing a life insurance policy is a big deal, and it should be! With literally hundreds of insurance [...]

Reader’s Question: Exams are a pain so I tend to smoke to keep bring down the tension afterwards. It’s the only time I smoke, I swear! Will this boost up the premiums if I get a universal life insurance policy in Stamford? Zachary Stamford, CT Oh, Zachary, lots of people say the same thing about [...]