Life insurance coverage is your opportunity to provide for and protect the people you love most.
Why Get Life Insurance
A conversation is the first step toward securing your family’s future. A plan that protects your loved ones and preserves your legacy can be developed with the assistance of Unity Global Services while you investigate your life insurance alternatives. Contact us right away to start the process of giving your family the assistance and financial stability they need. We can lay the groundwork for long-lasting security and tranquility by working together.
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.
What's the difference between whole life and Universal life?
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.
How much does whole life insurance cost?
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.
