Universal Life Insurance = Flexible Coverage That Lasts

Our Service Guarantee

You’ll always get friendly & knowledgeable service from a real, live person.
We never share your information with third parties. We only ask for the information needed to give you an accurate quote.
Our service is 100% free with no obligation. Don’t want to proceed? Let us know and we won’t contact you again.

Comparing quotes is fast and easy

Short on time? Let our licensed insurance advisors do the shopping for you! They’ll find you universal life insurance policies and rates from the nation’s top-rated providers.


Fill out our easy form – our insurance advisors will contact you to go over how much coverage you need.


Compare the rates our agents found, all from America’s top-rated insurers. Choose the policy that best fits your needs & budget.


Our easy application process can be completed over the phone, with eSignatures to speed things up. If you have questions at any time, we're here to help.

Our Life Insurance Carriers

We work with more than 40 of the nation's top life insurance providers, including:

Ready to get started?

Get a Free Quote
Woman thinking, with her finger propped beneath her chin

Why Choose Universal Life Insurance?

Universal life insurance has three main features:

☑️ lasts your entire life

☑️ builds cash value

☑️ provides flexibility in payments & death benefit amount

Universal life insurance covers you up to a particular age – as high as 120 years old. In addition to lifelong coverage, you also get a cash value account. A small portion of every payment you make goes into that account, which earns interest and grows over time. You can access that cash value for future expenses, like the kids’ college tuition or retirement.

Now let's talk about flexibility. One part of universal life's flexibility comes from the payment options. You can pay the same amount every time - but you don't have to. Had a good year, income-wise? You can pay more than the minimum required, and fill up your cash value account more quickly. Or you can pay less than the minimum required, and pull from your cash value to make up the difference. It’s up to you to monitor the amount of cash value you have and ensure there’s enough to make that payment.

Another part of this policy’s flexibility comes from the ability to change the death benefit amount. Depending on the provider, you can decrease the coverage amount later in life, once your major financial obligations have passed. This also lowers the cost of the insurance, making the policy more affordable over time. Other providers will let you add your cash value to the death benefit so your heirs get even more money when you pass away. Each policy is slightly different, so let us help you pick the one that best meets your needs. Call us or get a quote today!

Are your loved ones protected?

Get Your Free Quote

Meet Our Client, Anton

How do you shop for life insurance when your income isn't stable?

“I didn’t know anything about life insurance. Nothing. When I called, I just said I needed a policy so my wife and daughters would get money when I die. But when I explained that my income fluctuates a lot, my agent, Debby, told me about universal life policies.

Because I’m a freelance studio musician, I don’t always know when I’m going to work or how much I’ll earn. Sometimes I only get two big gigs a year. With a universal policy, I can adjust how much I pay and when. I had no idea I could do that. I thought it was always going to be a set amount per month.

I feel so much better knowing that I control what I pay and how often. And I love that my policy is building cash value. I’m excited about what I can do with that money later. Maybe there’s a home recording studio in my future, who knows!” – Anton K.

Let us help you get covered, just like Anton!

Compare Universal Life Insurance Policies
Man sitting with his two small daughters on the deck of his home
Artist holding her paintbrush and wearing an apron, smiling at the camera

Big Savings over Whole Life Coverage

Rosa thought she couldn’t afford coverage – so we came to the rescue.

Our client, Rosa, got a quote for whole life insurance and knew she couldn’t afford it. But she didn’t want to opt for a limited term policy. She knew she wanted coverage that lasted her whole life. She thought she was out of luck…until she gave us a call.

We talked to her about her income and needs, and realized she could save thousands per year by opting for universal life instead of whole life coverage.

Whole life costs more because the death benefit amount is guaranteed and the payments never change. But universal life is more flexible, and costs much less. It still lasts your whole life (up to age 120, if needed!), but you can choose how much to pay into your policy and when. You can also choose to lower the death benefit, or use your accumulated cash value to make your policy’s payments.

I had no idea there was another option. All the late-night TV commercials only ever mentioned whole life insurance, so that’s what I went looking for. I’m so grateful that Debby took the time to show me another option. I almost gave up, and I probably would have if it weren’t for Debby.” – Rosa S.

You CAN get lifelong coverage for less…we can help!

Get Your Free Quote

Did you know?

The cash value account for your universal life insurance policy earns interest over time. But that rate isn’t usually fixed – it’s set by your insurer and it can change over time. Right now, interest rates are on the rise…so it’s a good time to buy!

Get Your Free Quote
Cute dad and daughter playing together, where the daughter is standing on her dad's feet

Pros & Cons of Universal Life Insurance

Universal life isn’t for everyone – so we’ll show you the pros and cons to help you make the decision that’s best for your family.


  • Flexible payment amounts, schedules, and death benefit mean you can continue to customize your coverage after your purchase.
  • An affordable way to get coverage that lasts your whole life and doesn’t expire.
  • Our current rising interest rates mean your cash value account will earn more than in a low-interest-rate economy.


  • It’s up to you to make sure you pay enough money into your policy to keep it funded, with no lapse in coverage.
  • Costs more than term life insurance (but less than whole life insurance).
  • Your interest rate isn’t locked in, which is great when rates are high, but if they go down again, your cash value account could earn less than you’d like.

Need to talk to a licensed advisor? We’re here for you! Call us at 800-823-4852.

Get Your Free Quote

Why Work with WholesaleInsurance.net

Our awesome staff & licensed agents are here to help you get the right policy at the right price! Let us do the heavy lifting for you - we'll shop the nation's top carriers and show you the policies that meet your needs and your budget. Call 800-823-4852 now to get your free quote!

Meet the Team

Christine Orris Debby Strouse Tammy Walde
Christine Orris
Team Lead

“I’ve been in the life insurance industry for 25 years. In addition to life insurance, I’m also experienced in disability and property & casualty insurance (home & auto coverage). I especially enjoy helping my higher risk clients find the best possible coverage. The whole purpose of buying life insurance is to protect the ones you love! After hours, you can find me camping, gardening, hiking, boating, and spending time with my wonderful husband, two children, and fur babies.”
Debby Strouse
Insurance Advisor

“I have 17 years of experience in the life insurance industry. I come from a teaching background, so my favorite part of this job is being able to teach someone who’s new to life insurance. I explain that life insurance is for protection. It prevents families from the financial trauma of losing a loved one so their focus can stay on mourning. My mother passed with no insurance, and we had to sell her things to pay for final expenses. I really do care about helping my clients and I don’t want them to go through that. When I’m not at work, my grandchildren and my kids are my world.”
Tammy Walde
Insurance Advisor

“I started in the insurance industry when I was still in high school. Shortly after, I obtained my license and I’ve been helping families with their insurance needs ever since. No one can truly predict the future. But life insurance means you and your loved ones can prepare for the loss of income. I have a client that wanted to set aside money for his daughter’s wedding, if he was not able to be there. That brought me to tears. When I’m not helping clients, I love fishing in local rivers and lakes. Everybody can see me coming with my pink fishing jacket.”

Your actual universal life insurance premium can only be determined by a full application and the carrier's underwriting process, which may include some medical testing at their expense. Depending on the carrier, premiums can be paid on an annual, semi-annual, quarterly or monthly basis. Monthly premium rates may be available via EFT (electronic funds transfer). Not all carrier policies are available at all durations for all ages in all states. By providing your phone number and the name of your wireless carrier, you agree to WholesaleInsurance.net's privacy policy and terms of use. You also agree to receive communication from us at the phone number(s) you provide. Our communication with you may include autodialed or pre-recorded calls, emails, and SMS or MMS messages. You may opt out at any time. You may also call us directly at (800) 823-4852.

Schedule A Call Get Your Free Quote