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With PolicyHub you get to compare over 37 Alexandria, LA 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.
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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
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Step 2
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Discuss your options with a licensed insurance agent. Compare plans to find the best policy & cheapest rates.
Step 3
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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.
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With PolicyHub getting started is easy. Compare all the Universal Life Insurance rates from all the providers in Alexandria, LA. 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 Alexandria, LA.
Frequent Questions...
Universal life insurance in Alexandria, LA is a flexible and comprehensive whole life insurance policy that provides a death benefit and cash value. This policy allows the holder to adjust the amount of coverage, the premium payments, and even the timing of the payments. It also has investment choices, such as stocks, bonds, and mutual funds. The cash value grows with each premium payment or when the investment choices perform well. This policy provides a great way to build your life insurance portfolio while saving some income tax. It's important to note that any changes made to the policy may result in additional charges or fees.
What are the main differences between universal life insurance quotes in Alexandria and whole life insurance?
Universal and whole life insurance plans available to Alexandria, LA residents can vary in cost, duration, and investment options. Universal life insurance has a flexible premium payment schedule, allowing policyholders to adjust their premium payments as needed. With a universal policy, a policyholder can also control how the premiums are invested and can adjust their death benefits as desired. Whole life insurance, on the other hand, is more expensive but is designed to cover policyholders for life. Premiums are fixed and guaranteed, and the death benefit is guaranteed as well.
Can I get a universal life insurance policy Alexandria if I have health issues?
In Alexandria, LA, if you have health issues, you may still be able to get a policy for your coverage needs. The first step is to contact your preferred provider and inquire about their prerequisites and available policies. It is important to keep in mind that depending on your specific health concerns, coverage may be affected, and rates may be subject to change. Your provider can help to determine if you are eligible for coverage and can offer options that suit your needs regardless of any pre-existing conditions.
With universal life insurance near Alexandria, can I increase or decrease my premium amount after the policy starts?
Yes, you can increase or decrease your premium amount after the policy begins. Our Alexandria, LA office can review your policy and provide recommended changes that fit your needs and budget. After making the requested changes, the agreement will be updated and your premium amount will be reflected. We're dedicated to helping customers make the best decisions for their auto, home, life, and other insurance needs in the Alexandria area. Feel free to contact us with questions or to learn more about making adjustments to your policy.
Are there any limits to the cash value growth in my universal life insurance quote Alexandria?
In Alexandria, LA, the potential for cash value growth is limited only by the policy owner's investment choices and the insurance company's terms. With the right decisions, cash value can increase dramatically, providing considerable benefits for the policy owner, such as financial protection from unexpected expenses, access to additional funds in the future, and tax advantages. All of these advantages make cash value growth in Alexandria an appealing option.
Yes, you may have multiple beneficiaries for your policy in Alexandria, LA. You need to list the primary beneficiary and any contingent beneficiaries that you wish to designate. Make sure to obtain the name, relationship, and contact information for each of the beneficiaries. All of this information will be included in the policy and filed with the carrier. Your policy will also outline the percentage or dollar amount that each beneficiary will receive when you pass away. It's important to review your policy periodically to ensure that your beneficiary information is up-to-date.
Are there any fees associated with taking a loan against universal life insurance policies near Alexandria?
In Alexandria, LA, loan terms and associated fees can vary depending on the lending source. At many established lending institutions like banks or credit unions, there may be an origination fee, potentially based on the amount being borrowed. Some additional associated costs may include closing costs, processing fees, or early repayment penalty charges. Customers should review any loan agreement carefully to ensure they fully understand the terms and associated costs in order to avoid any potential surprises down the line.
What is the process for surrendering my universal life insurance in Alexandria?
Surrendering a universal life insurance policy in Alexandria, LA must typically be done in writing or through an agent. When submitting a request for surrender, policyholders typically must provide the policy number as well as other pertinent documentation, such as identity verification. Upon receipt of the notification of intention to surrender, the insurance company will often provide a surrender value. The amount may be prorated for partial surrenders or may need to be adjusted based on any unpaid premiums. A final surrender check will typically be issued shortly after the entire surrender process is complete.
Are there penalties for excessive withdrawals from my Alexandria universal life insurance policy?
In Alexandria, Louisiana, it is important to be aware of potential penalties for excessive withdrawals. Financial institutions often charge fees for withdrawing funds beyond a certain limit. Additionally, there may be enforced rules for necessary waiting periods before additional transactions can be made. Customers of a financial institution in Alexandria should review the institution's terms and conditions to ensure they do not exceed set limitations. Failure to comply could result in additional charges or even closure of accounts. It is best to contact the financial institution to confirm any potential fees, rules, and/or restrictions to avoid any unnecessary fees.
Is it possible to change my premium payment schedule with my Alexandria universal life insurance company?
Most certainly! If you are an Alexandria, LA resident, you have the ability to change your payment schedule. Our customer service team is available to help assist you with any questions you may have. All you need to do is call or ensure that you have your policy number present so we can quickly verify your account. We can set up a payment schedule that works best for you and your budget. If anything changes financially for you, we are also able to accommodate those changes.
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