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Universal Life Insurance Near Me

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Universal Life Insurance

"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."

Universal Life Insurance

Barbara Winters

Policy Holder

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"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.

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PolicyHub Makes Universal Life Insurance Near Me easy

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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.

Universal Life Insurance policy providers

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.

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Universal Life Insurance

"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."

Universal Life Insurance

Wendy Smith

Policy Holder

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"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."

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Nicole Nielson

Policy Holder

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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.

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What is universal life insurance?

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.

What is guaranteed universal life insurance?

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.

Universal Life Insurance

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