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Find out how much life insurance you need to protect what matters to you.
You already know how much life insurance you need. Now let’s go get a universal life insurance quote.
Level-premium term life insurance generally provides level insurance coverage and premiums for a limited period of time, typically a 10 to 30 year term. While affordability and simplicity are the key benefits of term life insurance, it comes at a cost. When the initial term is over, to maintain the same level of protection, premiums will most likely increase substantially.
Consider Protective Life's Custom Choice Universal Life (UL) policy if you want affordable protection that guarantees a level premium and coverage amount for a specified period of time. Plus, it offers the comfort of knowing your premiums won’t suddenly increase after the initial coverage period ends.
Here’s how it works: During the initial benefit period, usually between 10 and 30 years, the benefit and premium are guaranteed, providing you with maximum coverage for when you need it most. At the end of the initial benefit period, you begin to receive more modest coverage, but the premium required will not increase. Custom Choice UL appeals to those who anticipate their life insurance needs decreasing as they get older, but still want to leave their family money after they die.
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DID YOU KNOW:
Consumers believe life insurance costs nearly three times the actual price.
Source: LIMRA, Insurance Barometer Study 2012