Guaranteed Universal Life Insurance

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Guaranteed Universal Life Insurance provides a midway insurance option for those people who want lifetime coverage but at an affordable premium rate. It is a combination of both term life and permanent life insurance. It provides a flexible death benefit that can be decreased during the term without buying an individual policy. The death benefit is provided to the claimed beneficiaries after the death of the insurer. The amount can be used to pay for the final expenses, repaying the outstanding balance, or paying the children’s tuition fee. Unlike whole life insurance, the guaranteed issue life insurance usually does not have a feature of cash accumulation. However, some companies may provide a cash value component, but the amount is so minimal that it cannot be withdrawn or used to take a loan.

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The coverage amounts for life insurance for parents vary from policy to policy. As per the requirement, the insurance policy can be either term life insurance or permanent life insurance. However, the primary purpose of getting insurance for parents is to secure the final expenses; the death benefits can range from $5,000 to $50,000. As per the coverage amount decided, the premium payments can be set accordingly. Lower coverage amount leads to lower premium payments. For instance, the premium costs can be reduced to $50 monthly.

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Getting insurance for your parents can be as easy as getting insurance for yourself. However, the only thing that can be a little challenging is to prove the insurable interest. Financial suffering can either in the form of loan repayment, funeral expenses, or hospital bills. Choosing beneficiaries for the policy is also a significant job to avoid any unnecessary taxation. The guaranteed issue or final expense life insurance usually comes with a waiting period of two years. Therefore, you can get insurance for your parents at as early age as possible.

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Any age above 50 is an ideal age to buy life insurance for your parents. There is very little chance that an insurance company would reject your insurance at this age. Most of the companies provide guaranteed issue or final expense life insurance to individuals above 45-80. There is no medical examination required. This is usually offered to those who want favorable insurance coverage for their final expenses. Most insurance companies cease the premium payments after the age of 90.

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The policy stays active for as long as the premiums are being paid. Suppose the insurer feels unable to pay for the premiums due to another financial restrain. In that case, he can request a decrease in a death benefit. But, if he wants to halt the policy completely, the surrendering the policy option is available. However, the percentage of premium that he would get back depends from company to company.

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The policy can be acquired by filling a questionnaire that asks after the individual’s age, gender, health condition, and family history. Most of the time, the process also involves a medical examination. Guaranteed Universal Life Insurance is an ideal option for individuals who owe a massive estate tax to pay. In case you have a family to support, the coverage provides them with future financial stability.

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