NH VT Insurance - NH Auto Insurance - NH Insurance Quote - VT Insurance Quote
NH VT Insurance - NH Auto Insurance - NH Insurance Quote - VT Insurance Quote Homepage
 
NH VT Insurance - NH Auto Insurance - NH Insurance Quote - VT Insurance Quote NH VT Insurance - NH Auto Insurance - NH Insurance Quote - VT Insurance Quote
 
NH VT Insurance - NH Auto Insurance - NH Insurance Quote - VT Insurance Quote NH VT Insurance - NH Auto Insurance - NH Insurance Quote - VT Insurance Quote
 
NH VT Insurance - NH Auto Insurance - NH Insurance Quote - VT Insurance Quote NH VT Insurance - NH Auto Insurance - NH Insurance Quote - VT Insurance Quote
 
NH VT Insurance - NH Auto Insurance - NH Insurance Quote - VT Insurance Quote NH VT Insurance - NH Auto Insurance - NH Insurance Quote - VT Insurance Quote
 
Get A Quote Get A Quote
    Log in
    Report Claim
    Pay Bill
Claremont NH Auto Insurance  -       NH Auto Insurance      -   Vermont New Hampshire Motorcycle        Claremont NH Homeowners Insurance      Upper Valley Insurance
NH VT Insurance - NH Auto Insurance - NH Insurance Quote - VT Insurance Quote
 
What Type of NH / VT Insurance Services Can We Help You With?
Call us for NH Insurance
or VT Insurance

(603) 543-0156
NH VT Insurance Quote!
Share |
Homepage // Services // NH & VT Universal Life Insurance

New Hampshire & Vermont Universal Life Insurance
Universal life insurance offers a fixed interest rate and guarantees that your life insurance coverage will be around as long as you will be, as long as premiums are paid.

With universal life insurance, you can provide a permanent death benefit to those who depend on you while earning cash value. Benefits of universal life insurance include a fixed interest rate and a guarantee that your life insurance coverage will be around as long as you will be – as long as premiums are paid.

Want more universal life insurance information?

Advantages and disadvantages

A universal life insurance policy has the flexibility to adjust to your changing needs. It's more transparent than other types of fixed life (life insurance that doesn't invest in the stock market) because you can watch your account value increase as it earns interest and decrease when charges are deducted.

Your policy's cash value earns interest based on the company's current interest rate, and this growth is tax-deferred. You can access your cash value almost anytime.1

However, universal life insurance also puts greater responsibility on you — you are in charge of making the coverage changes that are right for you, and you take on the investment and mortality risks.

As your personal situations change (i.e. marriage, birth of a child or job promotion), so will your life insurance needs. Take care to ensure universal life insurance is suitable for your long-term needs. You should weigh any associated costs before making a purchase.

Life insurance has fees and charges associated with it that include costs of insurance that vary based on the insured person’s sex, health and age, and has additional charges for riders that customize a policy to fit your individual needs.

Universal life insurance products

Products may not be available in all states.

Already own a universal life insurance product? Log in to see your account information.

1Assumes contract qualifies as life insurance under Internal Revenue Code (IRC) Section 7702. Most distributions are taxed on a first-in/first-out basis as long as the contract remains in force and meets the non-MEC (Modified Endowment Contract) definitions of IRC Section 7702A. Loans and partial surrenders from a MEC will generally be taxable, and if taken prior to age 59½, may be subject to a 10% tax penalty. Loans and partial surrenders will reduce cash value and any death benefits payable.

Not a deposit • Not FDIC or NCUSIF insured • Not guaranteed by the institution • Not insured by any federal government agency • May lose value

Guarantees and protections are subject to Nationwide's claims-paying ability. Life insurance is issued by Nationwide Life Insurance Company or Nationwide Life and Annuity Insurance Company, Columbus, Ohio.



Our New Hampshire NH Vermont VT Insurance Services Offered At Avery Insurance
  NH VT Vehicle Insurance
  • NH VT Auto Insurance
  • NH VT Motorcycle Insurance
  • NH VT Snowmobile Insurance
  • NH VT ATV Insurance
  • NH VT RV Insurance
  • NH VT Boat Insurance
  •   NH VT Property Insurance
  • NH VT Homeowners Insurance
  • NH VT Condo Insurance
  • NH VT Renters Insurance
  • NH VT Personal Umbrella Insurance
  • NH VT Flood Insurance
  • Call For Other NH VT Options!
  •   NH VT Life Insurance
  • NH VT Term Life Insurance
  • NH VT Whole Life Insurance
  • NH VT Universal Life Insurance
  • NH VT Comparison Chart
  • All NH VT Life Insurance
  • New Hampshire Auto Insurance  -       NH Auto Insurance      -    VT Auto Insurance          Vermont New Hampshire Motorcycle        Homeowners Insurance       Life Insurance       Upper Valley Insurance

    Click here to see related New Hampshire Insurance links / insurance websites

  • Avery Insurance Agency 
    3 Parsons Ave Claremont, NH 03743  
    Phone: (603) 543-0156  
    Email Our Office 
     

  • NH VT Insurance - NH Auto Insurance - NH Insurance Quote - VT Insurance Quote
    Licensed for Services in both New Hampshire & Vermont (NH, VT)!
    Click here for directions to our office in Claremont NH
    Share |
             ©2009 Nationwide Mutual Insurance Company. All rights reserved. Nationwide Investment Services Corporation, member FINRA.


    Tags Used Include: Claremont NH Insurance, Lebanon NH, Lyme, Etna, Enfield, Canaan, Hanover NH, Eastman, Grantham NH, Springfield NH, Warren NH, UV Upper Valley, Hartford VT, Hartland, Thetford VT, Fairlee VT, Springfield VT, Dartmouth Hitchcock Medical Center, Styker, Timken, DHMC, Nationwide, Geico, Allstate, Claremont NH Insurance, NH Auto Insurance, VT Auto Insurance, NH Homeowners Insurance, VT Homeowners Insurance, New Hampshire Insurance, Vermont Insurance, NH VT, Upper Valley, Claremont NH Insurance Company, NH Auto Insurance, VT Auto Insurance, VT Life Insurance, NH Life Insurance, New Hampshire Insurance, Vermont Insurance, Vehicle Insurance, Auto Insurance, Motorcycle Insurance, Snowmobile Insurance, ATV Insurance, RV Insurance, Boat Insurance, Property Insurance, Homeowners Insurance, Condo Insurance, Renters Insurance, Personal Umbrella Insurance, Flood Insurance, Life Insurance, Term Life Insurance, Whole Life Insurance, Universal Life Insurance, Variable Universal Life Insurance, Comparison Chart, All Life Insurance, Annuities, Variable Deferred, Indexed Deferred, Fixed Deferred, Variable Immediate, Fixed Immediate, Retirement Plans, 401(k), 457, 403(b) ,IRA Rollover, NH Auto Insurance, NH Insurance Agency providing insurance & investments to customers in Vermont and New Hampshire.