Whole/Universal Life

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Whole Life

Whole life is the simplest form of permanent life insurance and is a good option for those with long-range insurance and financial goals. It features lifelong protection with fixed premiums, a guaranteed death benefit payout and cash value that is guaranteed to grow each year. Whole life protects you for your entire life unless you cancel the policy.

Universal Life

Universal life insurance is a form of permanent life insurance and a great option to help your family prepare for the unexpected. It can provide affordable guaranteed protection and a flexible premium. As premiums are paid, you can build your policy’s cash value which grows tax-deferred until you need it. You can choose to pay a lower premium and focus more on guaranteed protection that can last a lifetime.

 

Whole Life

Universal Life
 

  • Premiums are not subject to change, so if your financial situation changes and you can no longer pay the premium, you may be faced with unpleasant choices of using your cash value to pay for the insurance or surrendering the policy.
  • Monthly bill and unwavering death benefit.
  • The premium levels nor the death benefit are not set in stone. You are allowed to pay premiums for as much and as often as you choose.
  • More flexibility by managing premium payments.

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"Dale at Neckerman Insurance has been our agent (agency) for over 13 years. They’ve provided excellent service. Any time we’ve needed questions answered or assistance they’ve been 100% on top of it. We would have no hesitation recommending Dale at Necerkman to anyone. We’re lucky to have such a committed and honest agent and team. They’ve been an invaluable asset in helping to protect our interests."

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