UNITED LIFE GROUP, INC.
PENSACOLA, FLORIDA

At United Life Group, we are committed to helping our clients find the right type of life insurance at the best possible price. Our experienced agents can help you shop the market for affordable coverage from a top-rated insurers. You can begin online by simply entering your ZIP code to access This permanent type of protection provides lifetime coverage at a level premium, and it may grow a cash value. Some This is another kind of permanent life insurance that provides policy owners with coverage and a cash account. Additionally, the premiums and death benefit of a universal life policy are somewhat flexible over the lifetime of the policy. Some insurers might ask for a doctor’s statement depending upon answers to health questions or information found from other sources. Depending upon the company and situation, the application process could take anywhere from a few hours to a few weeks. Does No Medical Exam Term Insurance Help People with Medical Conditions? You should know that even companies that use digital underwriting will pull records from sources like the Medical Information Bureau (MIB), your local department of motor vehicles, or possibly even credit bureaus, so they are not operating in the dark. As part of the application process, you must give the company permission to access your records. You need to answer questions honestly, and sometimes these policies have fairly strict underwriting guidelines. Permanent policies can provide lifetime coverage as long as the premiums are paid. In order to make the right choice, you really need to consider why you want to buy coverage in the first place. If you want to make sure that your spouse and kids can keep your house if you pass away unexpectedly, a term policy might be the right choice. However, if you want to use your coverage to pass on an estate or provide money to pay for final expenses like a funeral and burial, whole life might be a better choice. Choosing the right type of life insurance might seem like a difficult decision, but our experienced and professional agents can help. We can help you understand the pros and cons of a variety of different types of coverage, and we can also help you apply for coverage if you need a few thousand dollars or a few million dollars of protection. You should also know that some insurers offer better products and prices for different types of consumers. United Life Group is an independent brokerage, and this means that we can also help you shop the market to find good deals. Even a small difference in monthly premiums can add up if you plan to keep your policy for many years in the future.