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When shopping for universal life insurance, personal goals objectives will play a huge part in determining the best policy selection. The instant quotes available on our universal life quote system are lifetime guaranteed quotes. Lifetime guaranteed universal life policies are best for those who are seeking low cost death benefits similar to term insurance with guaranteed level rates for life. These policies will build cash value but cash growth is not a primary objective. For more information or custom quotes on other types of universal life insurance policies, please call MEG at (877) 583-3955.