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A universal life insurance quote will give you a basic outline of what a particular insurance policy offers. In general a universal life insurance quote outlines what the policy is and for whom it is intended to provide (this is generally protection to dependents). It does this by paying them a benefit upon your expiration. Additionally, this type of investment has a low risk cash value and can also be tax deferred. There are several other benefits such as allowing you premium flexibility and face amount flexibility. Similarly, you are also permitted to make withdraws from the account. Additionally, universal life insurance does not offer the flexibility to invest in separate accounts or to split the money into different accounts.