Why Choose Universal Life Insurance?

Lifelong Coverage with Added Benefits

Universal Insurance provides coverage for your entire life, ensuring your loved ones are financially protected no matter what. Unlike term life insurance, which ends after a specific period, universal life offers peace of mind for the long haul.

Customizable Premiums and Flexibility

Adjust your premiums and coverage as your financial situation changes. Whether you want to increase your coverage or reduce premium payments, universal policies let you stay in control.

Cash Value Growth

A portion of your premium contributes to a cash value component that grows over time. Use this accumulated cash value for life’s unexpected expenses, investment opportunities, or even as supplemental income in retirement.

Tax Advantages

Enjoy tax-deferred growth on your cash value, providing you with additional savings opportunities while protecting your family.

Who is Universal Life Insurance For?

• Parents Planning for Their Children’s Future: Ensure financial stability and a legacy for your loved ones.
• Individuals Nearing Retirement: Combine protection with savings to support your retirement goals.
• Entrepreneurs and Professionals: Flexible options to adapt as your financial situation evolves.

Benefits of Universal Life Insurance at Ten Four Life

At Ten Four Life, we understand that life is an adventure full of milestones and surprises. That’s why we offer policies designed to meet your needs, no matter where you are in your journey.

Our Promise to You:

• Personalized coverage tailored to your financial goals.
• Transparent guidance with no gimmicks or pressure.
• Ongoing support to adjust your policy as your needs change.

Get Started Today

Don’t wait to secure your financial future. Our team at Ten Four Life is here to help you navigate your options and find the Insurance policy that’s perfect for you.

Frequently Asked Questions

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What is the difference between Universal Life and Whole Life Insurance?

While both provide lifelong coverage, Universal offers more flexibility with premiums and coverage amounts. Whole Life Insurance, on the other hand, has fixed premiums and guaranteed cash value growth.

Can I use the cash value during my lifetime?

Yes! You can borrow or withdraw from the accumulated cash value to cover unexpected expenses, fund investments, or even support your retirement.

Is Universal expensive?

The cost depends on factors like age, health, and coverage amount. However, its flexibility allows you to adjust premiums to fit your budget.