Compare over 37 Universal Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Affton, MO 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."
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.
Get the Universal Life Insurance plan with the cheapest rates in 3 easy steps.
Done in 3 easy steps
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 Affton, MO. 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 | ||
---|---|---|---|---|
100% Digital | ||||
Licensed Agents | ||||
Expert Support | ||||
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."
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 Affton, MO.
Frequent Questions...
Universal life insurance in Affton, MO offers a unique combination of protection and investment benefits. It combines a death benefit with the opportunity to accumulate cash value. The premium you pay is flexible to an extent, and the payments are also adjustable so that you can increase or decrease the amount you pay based on your financial needs at the time. The cash value of your policy can also generally be withdrawn or borrowed against for various needs. This level of flexibility makes a universal life insurance policy an attractive option for Affton, Missouri residents.
What are the main differences between universal life insurance quotes in Affton and whole life insurance?
Whole life insurance is a type of permanent life insurance offered in Affton, MO, that provides coverage for the entirety of the insured person's life and provides a cash savings benefit to the policyholder. Universal life insurance offers similar benefits as whole life policies, but allows policyholders in Affton more flexibility, as premiums and death benefits can be adjusted based on individual needs. In addition, universal life policies offer the potential for higher gains from investments, while whole life policies feature fixed premiums and death benefits.
How can the cash value in my universal life insurance policy Affton grow over time?
In Affton, MO you have access to some of the best life insurance products that can help you grow the cash value in your policy over time. Specifically, these are cash value whole life insurance plans that feature a combination of life insurance protection and long-term savings structure. These plans can offer you potential growth on the cash value of your policy depending on the type of policy you choose. Your policy also has the potential to pay out dividends, depending on how the company is doing financially.
What are the consequences of late premium payments and universal life insurance near Affton?
In Affton, MO, late premium payments can have various consequences depending on the specific policy holder and the type of insurance being purchased. Generally, customers that are late on premium payments can expect increased interest rates, late fees, and possibly contract termination if the outstanding amount cannot be paid. Depending on the specific type of policy, further consequences can also be incurred such as the inability to access services, coverage being cut off, and even legal action.
Are there any limits to the cash value growth in my universal life insurance quote Affton?
In Affton, MO, there is no limit to the cash value growth of your policy as it is dependent on the performance of the participating investments in the policy's portfolio. Each policy is different and the cash value growth will correlate to the performance of the policy's settings. Talk to your insurance agent to find out more information about the investment options available and to discuss the best strategy for you and your family.
Yes, you can have multiple beneficiaries for your policy in Affton, MO. The policyholder is able to choose how their policy benefit will be split up among up to five beneficiaries. It's important to note, however, that if the policy does not list any beneficiaries, the death benefit will be paid out in accordance with the law in the state of Missouri. If multiple beneficiaries are listed, each one will receive their share of the death benefit in accordance with the policyowner's instructions.
How does a withdrawal affect my death benefit and universal life insurance policies near Affton?
Taking a withdrawal from your policy in Affton, MO can have an effect on your death benefit depending on the type of policy you have and the amount of the withdrawal. Generally, it will reduce the amount of coverage you have and the amount of money that would be distributed to your beneficiaries if you were to pass away prior to being able to pay off any outstanding balance on the policy. In some cases, withdrawals could also trigger a surrender charge, resulting in a reduction of your death benefit.
How is the surrender value calculated with my universal life insurance in Affton?
The surrender value calculation for insurance policies such as those available from Affton, MO based providers, is determined by a number of factors, including the policy's cash value, the length of time the policy has been in force, and the charges incurred throughout the coverage period. Depending on your policy's terms and conditions, the surrender value can differ from company to company, and the value may fluctuate if your policy is in a savings or investment sub-account.
Are there penalties for excessive withdrawals from my Affton universal life insurance policy?
Yes, depending on the banking institution you use in Affton, MO, there can be fees associated with excessive withdrawals. Your specific financial institution should be able to provide you with an understanding of their policies and applicable fees. Depending on the bank, some regulations might involve how many times you are allowed to withdraw from your account within a certain amount of time and what amount of money is permissible for each withdrawal. Excessive withdrawals can often come with additional costs which can vary based on the type of account you have.
Can I add or remove riders after the policy has started with my Affton universal life insurance company?
Yes, you can add or remove riders after your policy has already started in Affton, MO. To add or remove riders, contact the team at your current insurance provider. They will direct you to the proper paperwork and take you through the entire process step-by-step. In some cases, you may also need to submit additional financial information or proof of eligibility for the rider. Depending on the rider type and the policy type, the process can take anywhere from a few days to a few weeks, but the team at your insurance provider will provide guidance and information throughout the process.
Compare Affton, MO 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