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Compare over 37 Universal Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 New Philadelphia, OH Universal Life Insurance policy providers in as little as 15 minutes. Save time. Save big. Get started now.
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Over 37 policy provider comparison.
Explore multiple policies from all the leading insurers and choose the one that fits your needs.
Locked in rate discount and exclusive deals.
Benefit from exclusive deals offered only to residents of your state, and lock in huge rate discounts.
Customized policies just for you.
Our team tailors policies to your unique needs, meaning optimal coverage at competitive rates.
"I was totally lost trying to find the right Universal Life Insurance until I found PolicyHub. I was able to work with a licensed agent to compare all my options all at one. I got the perfect plan for me at a cheaper rate than I expected."
Barbara Winters
Policy Holder
ATTN: 2024 Universal Life Insurance rates just released!
Get the latest Universal Life Insurance rates for 2024 and lock in your policy today! Get started comparing policies right now.
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Step 1
Tell us about yourself.
Finding the perfect life insurance policy starts with answering a few questions to help us serve you better.
Step 2
Compare rates & plans.
Discuss your options with a licensed insurance agent. Compare plans to find the best policy & cheapest rates.
Step 3
Lock in cheap rates.
Secure the lowest rates and lock in the perfect life insurance policy for you and your family.
"I lost hope trying to find a Universal Life Insurance policy that wasn't insanely expensive. Thankfully PolicyHub helped me find the perfect policy that is affordable with high coverage. Thank you!"
Bill Barton
Policy Holder
PolicyHub is the smartest way to protect the people that matter most.
Safeguard Your Family
Universal Life Insurance means safeguarding your family in a worst-case scenario. Don't risk it.
Gain Peace of Mind
Far too many Americans are financially blindsided by the death of a loved one. But not your family.
Protect Your Business
Protect your business by ensuring a smooth transition of ownership with the right life insurance.
Beat Estate Taxes
Inheritance or estate taxes is burdensome for your heirs. A life insurance policy can help.
Invest in Your Future
For less than $1 per day, you can make a huge contribution to your family's financial safety.
Build Your Legacy
Through a life insurance policy, you can leave behind a legacy for your loved ones.
Get started in less than 15 minutes.
With PolicyHub getting started is easy. Compare all the Universal Life Insurance rates from all the providers in New Philadelphia, OH. Get started in under 15 minutes.
All your Universal Life Insurance needs in one place.
Universal life insurance is a type of permanent life insurance that has an investment savings element and low premiums like term life insurance. It is often adjustable, allowing you to alter the amount of coverage you have or the premiums you pay throughout the life of the policy. Part of your premium goes into an investment account, which generates a cash value that you may borrow against or invest.
Traditional universal life insurance offers flexible premiums and death benefits with cash value growth based on a set minimum interest rate. Variable universal life insurance allows policyholders to invest their cash value into various investment options, similar to mutual funds, with potential for higher returns but increased risk.
Indexed universal life insurance ties the cash value's growth to a stock market index, typically featuring a floor to guard against negative returns and a cap on potential gains. Guaranteed universal life insurance focuses on providing a guaranteed death benefit for lifetime coverage, with less emphasis on cash value growth, often making it a more affordable lifelong insurance choice.
Save time and get the best Universal Life Insurance policy with the cheapest rates. Guaranteed.
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Real PolicyHub testimonials...
"I knew I needed Universal Life Insurance but I didn't know where to go. I talked with a few other companies but the cost was outrageous. I found PolicyHub and found the perfect plan for me at an affordable cost."
Wendy Smith
Policy Holder
Get matched with a 5-Star Universal Life Insurance agent.
Roy Stephens
universal life insurance agent
Roy Stephens is a universal life insurance agent licensed in your state.
Mark Sidway
universal life insurance agent
Mark Sidway is a universal life insurance agent licensed in your state.
Cale Reeves
universal life insurance agent
Cale Reeves is a universal life insurance agent licensed in your state.
"I was searching for Universal Life Insurance but quickly found out that everyone was trying to sell me on policies I didn't need. Thankfully I found PolicyHub and get the cheapest rates and the right policy."
Nicole Nielson
Policy Holder
Introducing PolicyHub Price Match Guarantee
Our priority is to save you money while getting you the right coverage. If you find a lower rate for a similar policy anywhere else, we'll match it! With PolicyHub, you can rest assured knowing you're getting the best price for Universal Life Insurance in New Philadelphia, OH.
Frequent Questions...
Universal Life Insurance in New Philadelphia, OH provides individuals with the flexibility to adjust coverages and premiums based on their changing needs throughout life. This type of policy can be a great way to protect your family group from any unforeseen expenses today and into the future. Additionally, Universal Life Insurance has the potential to offer a variety of tax and investment benefits which can help provide for your family and friends after your passing.
How should I evaluate if universal life insurance quotes in New Philadelphia fits my financial goals?
Before determining if universal life insurance fits your financial goals in New Philadelphia, OH, you should evaluate your current and future needs. Consider things like your current age, the age range of your dependents, the total amount of life insurance you already possess, the need to establish college funds for your children, and whether or not you desire a policy with an investment component. Additionally, look into the various life insurance products available and compare their features and benefits, such as flexible payment options and guaranteed premiums.
Can I get a universal life insurance policy New Philadelphia if I have health issues?
In New Philadelphia, OH, many insurance companies offer plans that are suitable for those with health issues. If you have preexisting medical conditions, our local licensed insurance professionals can help you select the right insurance plan for you. We offer both traditional and newer innovative insurance plans that provide customizable coverage for a range of medical needs. Our agents are experienced and knowledgeable, and we can help you determine the best way to get the coverage you need at a price that works for your budget. Don't hesitate to ask us your questions or request a free consultation.
Can I alter the frequency of my premium payments with universal life insurance near New Philadelphia?
In New Philadelphia, OH, you may be able to alter your premium payments if you contact your insurance provider. Since insurance requirements vary, it's important to contact your particular provider to get an answer tailored to your specific needs. It's possible you may find an available payment plan that fits your budget better than the current plan. But not every provider offers this option, so you should call your provider to find out more. Understanding all of the details of the payment plan before agreeing to any changes can help ensure a smooth transition.
When I get a universal life insurance quote New Philadelphia, how is the interest on the cash value determined?
The interest rate on the cash value of a policy in New Philadelphia, OH depends on several factors such as your policy type, age bracket, payment intervals, and any applicable riders you may have. Your insurance provider can review the details of your policy and provide you with an exact estimate of your expected annual return. Generally, interest rates are higher for policies with more favorable terms, such as those with a longer duration and more robust riders. Policies which have extended death and disability benefits, for instance, often rate higher than those without.
In New Philadelphia, OH, the process for beneficiaries to claim the death benefit is relatively straightforward. First, they should contact the county Probate Court and file a petition for the death benefits with the court. They should have all the relevant information, such as the deceased's will, social security number and death certificate, as the court will need those documents. Once the petition has been accepted, the court will direct the beneficiaries to apply to the Probate division of the Common Pleas Court and they will usually have 8-10 weeks from the filing date to complete their application.
How do I take a loan against universal life insurance policies near New Philadelphia?
If you are looking to take a loan against your policy in the New Philadelphia, OH, area, your best option is to start by talking to a qualified financial advisor. An experienced advisor can help you understand the specifics of the loan process, provide sound advice on how to maximize your return, and identify any potential risk associated with taking the loan. Additionally, they can explain the tax implications of taking a loan against a policy and determine if it fits with your overall financial goals.
Can I reinstate my universal life insurance in New Philadelphia after it lapses?
Yes, you can reinstate your policy after it has lapsed in the City of New Philadelphia. However, you will need to contact your local insurance agent in order to find out the best way to reinstate your policy. Depending on the circumstances, you may be required to provide an additional payment or proof of coverage within a certain number of days to reinstate your policy. Your local insurance agent in New Philadelphia will be able to provide the best advice on the most effective way to reinstate your policy in an accurate and timely manner.
With the average New Philadelphia universal life insurance policy, are there any transaction fees?
In New Philadelphia, OH, the transaction fees associated with changing an investment option vary based on the type of financial institution you are using. Generally, you can expect to incur fees with most brokerages in the region. For specific details on what you may encounter, you should consult with a financial advisor in the area to get a better understanding of the applicable fees associated with changing an investment option.
Is it possible to merge or split a universal life insurance policy with the average New Philadelphia universal life insurance company?
Yes, it is possible to merge or split a universal life insurance policy in New Philadelphia, OH. With the help of a licensed insurance specialist, policyholders can modify their policies to best suit their current and long term financial needs. ISlice Financial Inc. in New Philadelphia, OH offers a skilled team of professionals who can assess a policyholder's situation and help modify the policy accordingly. Merging or splitting a policy can enable policyholders to maximize their coverage while being mindful of their budget constraints. Moreover, experienced advisors can offer cost effective solutions to serve customers specific needs.
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