Compare over 37 Universal Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Universal Life Insurance policy providers in as little as 15 minutes. Save time. Save big. Get started now.
Find the perfect plan from over 37 providers
Your one-stop-shop to compare all the rates, all at once.
With PolicyHub you get:
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."
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.
Get the Universal Life Insurance plan with the cheapest rates in 3 easy steps.
Done in 3 easy steps
Tell us about yourself.
Finding the perfect life insurance policy starts with answering a few questions to help us serve you better.
Compare rates & plans.
Discuss your options with a licensed insurance agent. Compare plans to find the best policy & cheapest rates.
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!"
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 Near Me. 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.
|Option 1||Option 2|
|Get Started in 15 minutes|
|Decades of Experience|
|Compare 37+ Providers|
|Zero Hidden Costs|
|Top Insurance Providers|
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."
Get matched with a 5-Star Universal Life Insurance agent.
universal life insurance agent
Roy Stephens is a universal life insurance agent licensed in your state.
universal life insurance agent
Mark Sidway is a universal life insurance agent licensed in your state.
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."
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 Near Me.
Universal life insurance is a type of permanent life insurance that includes an investment savings element and low premiums. The policy combines death benefits with a savings component that is invested to provide a cash value buildup. The death benefit, savings element and premiums can be reviewed and altered as a policyholder’s circumstances change.
What is universal index life insurance?
Indexed universal life insurance is a type of universal life insurance. This type of insurance allows the owner to allocate cash value amounts to either a fixed account or an equity index account. The major feature of index universal life insurance is that it provides the policy owner with the opportunity to earn interest based on the performance of the equity index.
What are the pros and cons of universal life insurance?
Universal life insurance provides flexibility, tax-deferred cash value growth, and lifelong coverage. However, it's complex, costs can increase over time, and poorly performing insurer's investments can reduce the cash value and death benefit.
What is group universal life insurance?
Group universal life insurance is a type of universal life insurance offered to a group, such as employees of a company. It provides both life insurance coverage and a cash value component. Members of the group typically receive more favorable premium rates due to economies of scale.
How much can I borrow from my universal life insurance policy?
You can generally borrow up to the cash value amount of your universal life insurance policy. However, loans from your policy will decrease the death benefit and cash value, and any unpaid loans plus interest will be deducted from the death benefit if you pass away.
Guaranteed universal life insurance is a type of universal life insurance that provides a guaranteed death benefit as long as the premiums are paid. This policy type is less focused on building cash value and more on providing a permanent death benefit. It combines the affordability of term life insurance with the lifelong coverage of permanent life insurance.
What happens when a universal life insurance policy matures?
When a universal life policy matures, it typically means the insured has reached a specified age (often 95 or 100). The policy will pay out the death benefit to the insured individual, typically in a lump sum. This can have significant tax implications, as life insurance death benefits are typically tax-free, but payouts to living policyholders may not be.
What does universal life insurance cover?
Universal life insurance provides a death benefit that pays out to your beneficiaries when you die. This can be used to cover funeral costs, debts, or provide financial support to your loved ones. Some policies may also include riders for things like chronic illness or long-term care costs.
What’s the difference between universal, term, and whole life insurance?
Universal life insurance is a flexible, permanent life insurance with a cash value component. In contrast, term life only provides coverage for a specific term without cash value growth, while whole life offers guaranteed cash value growth and fixed premiums but lacks flexibility.
How much life insurance do I need?
As a general rule of thumb, many experts recommend a policy worth 10x your current salary. Remember, life insurance can be used to cover expenses such as your mortgage, outstanding debt, college, and so on.
Compare Universal Life Insurance Policies
Get started today and compare over 37 Universal Life Insurance providers in as little as 15 minutes.
© 2024 PolicyHub - all rights reserved