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Health insurance

Affordable Care Act. Enroll now for 2023 coverage. See health coverage choices, ways to save today, how law affects you.

Health Insurance

 

 

Welcome to MPL Insurances, where we put your well-being first. Unity Global Services is committed to providing a wide range of financial solutions that protect your future and the futures of your loved ones since we recognize that life is full of uncertainties.

We are aware that health insurance is more than just a policy; it also represents a commitment to look out for what’s best for you. Our skilled and professional staff is committed to assisting you in selecting the best health insurance strategy for you and your family. We’re here to respond to your inquiries, solve your worries, and make sure you comprehend all of your coverage possibilities.

Frequently Asked Questions

What's the difference between whole life and term life?

Like whole life plans, most term life plans have a fixed premium and fixed death benefit. However, whole life provides benefits for the rest of the insured person’s life, whereas term life only lasts for a specific period of time. In addition, a whole life policy includes cash value, whereas a term life policy only includes the death benefit. On the other hand, term life has a lower premium per dollar of coverage and significantly larger death benefits are available.

Whole life and universal life are both types of permanent life insurance, so they have many characteristics in common. Both whole life and universal life provide a death benefit for the rest of the insured person’s life. The main difference is that whole life has a fixed premium and a fixed benefit, whereas universal life has more flexibility — but that flexibility also comes with more risk, as the premium might increase.

In general, whole life is a highly affordable type of insurance, and the premium will never increase. Your premium takes into account your current age at the time of issue, your gender, and your death benefit amount. The Living Promise plan also takes health and tobacco use into account, but the Guaranteed Plus plan does not.

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