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How Much Do I Need? Whole life insurance is a life insurance policy that remains in force for the insureds whole life and requires (in most cases) premiums to be paid every year into the policy. Universal life insurance (often shortened to UL) is a type of permanent life insurance. Under the terms of the policy, the excess of premium payments above the current cost of insurance are credited to the cash value of the policy. Free No Obligation Quotes. Fill Out The Form To Get Started Today! 50,000 - $75,000.
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