Iowa Term and Universal Life Insurance

Iowa Life Insurance Resources

Universal Life Insurance allows you to choose from two death benefit options. Option A pays the death benefit out of the policy’s cash value; the more cash value you build up means the company is on the hook for less insurance (and therefore costs less). Option B pays the face amount stated in the contract, plus any cash values you accumulated over the years (costs more). Many UL Iowa Term and Universal Life Insurance policies today offer a no-lapse guarantee: as long as you pay the minimum designated premium, the policy will stay in force to age 100 (or even to age 120). However, paying the minimum guaranteed premium is rarely sufficient to build up significant cash values.

Iowa Department of Insurance: The state insurance department website includes consumer and licensee resources including a listing of all licensed life insurance agents and companies which make up the insurance industry.


Iowa Life & Health Insurance Protection Association: The state life insurance guaranty association works to guarantee the safety of all coverage, even in the event that a company becomes insolvent.

Iowa Company Ratings: These companies provide ratings based on their ability to pay claims. At Life Insurance.Net we work only with A and A+ rated life insurance companies.

Iowa State Almanac
Our life insurance agents service all communities in Iowa including:

  • Des Moines
  • Cedar Rapids
  • Davenport
  • Sioux City
  • Waterloo

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