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"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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"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 Apex, NC. 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 Apex, NC.
Frequent Questions...
Yes, universal life insurance is a form of permanent insurance, and can be a great option for Apex, NC residents looking for long-term protection. With universal life, you can easily customize your coverage to meet your exact needs. You can make premium payments that fulfill your budget on an annual, semi-annual, quarterly or monthly basis. You can also adjust the death benefit to protect your family until certain goals are met. Additionally, any additional payments you make can be placed into the policy's savings account which can earn interest over time.
What are the main differences between universal life insurance quotes in Apex and whole life insurance?
Universal life insurance and whole life insurance are both considered permanent life insurance policies, however they have distinct differences. Whole life insurance premiums remain level and is typically chosen for its long-term death benefit. Universal life insurance premiums are more flexible, allowing policyholders in Apex, NC to adjust based on their financial needs. Universal life policies also typically build up cash value, whereas whole life does not. Lastly whole life insurance pays a guaranteed rate, while universal life insurance pays a return based on current market interest rates. Ultimately, there is no right or wrong answer to which type of life insurance policy is best;
Are there any riders or additional benefits I can add to my universal life insurance policy Apex?
Yes, there are many riders and additional benefits available to policy holders living in Apex, NC. From accident medical coverage to critical illness protection, there are a variety of riders and additional benefits to tailor your protection to suit individual and family needs. For example, some Apex residents can opt for premiums that are waived in the event of a disability, covering both doctor and hospital expenses. Additional benefits may also include term life insurance, allowing survivors to receive a lump sum cash payment in the event of the policyholder's death.
Can I alter the frequency of my premium payments with universal life insurance near Apex?
Yes, in Apex, NC you can alter the frequency of your premium payments. Your health insurer will identify alternatives to monthly payments and guide you through the process of changing the frequency. You may be able to pay your premiums on a quarterly, semiannual, or annual basis. Additionally, depending on the specific plan you select, you should be given the freedom to decide how much you want your payments to be, allowing you to budget accordingly. Furthermore, there will likely be discounts and premium credits available for anyone who pays ahead or opts for a lump sum payment.
Is there a guaranteed minimum interest rate for the cash value of my universal life insurance quote Apex?
Interest rates for cash value policies will vary depending on the product you select and the company, so it is not possible to guarantee a minimum interest rate. However, by working with an experienced independent insurance agent in Apex, NC, you can compare life insurance products from multiple providers and receive competitive rates. Different life insurance carriers offer different discounts, so it is important to weigh all of your options in order to get the most from your coverage. Speaking with a reputable agent can also help you get the best rate for the coverage you are looking for.
In Apex, North Carolina, death benefits are indeed subject to taxation. Generally, the beneficiary of the death benefit would be responsible for filing the taxes due on the benefits received. The Internal Revenue Service (IRS) requires that the beneficiary report the benefits as income when filing their taxes. It is important to note that the disposition of death benefits can vary greatly depending on the beneficiary and the circumstances of the death. It is therefore important to speak with a qualified tax professional to learn the details of any applicable taxes before filing.
Are there any fees associated with taking a loan against universal life insurance policies near Apex?
At Apex, NC, there are no additional fees associated with taking out a loan at this time. All we ask is that you pay back the loan in a timely manner as agreed to in the loan contract. We understand that times can be hard, and at Apex, NC, we want to ensure that all of our clients have access to the money they need when they need it. That's why we provide options and flexibility when it comes to our loan process and repayment.
Are there any penalties for surrendering the universal life insurance in Apex early?
It depends on the specific policy and company in Apex, NC. Many policies have surrender charges associated with them if you choose to cancel the policy before the contract has completed its term. Other companies may offer refunds on unused premiums if the policy is surrendered before the contract term ends. It's always important to understand the terms and conditions for a policy before signing up, so you know if there are associated fees or penalties for surrendering it early.
What types of fees are associated with my Apex universal life insurance policy?
In Apex, NC, there are various types of fees associated with a universal life insurance policy, such as policy administration fees, mortality and risk fees, underwriting fees, and policy riders. Depending on the insurer, policy administration fees can be a flat fee or a percentage of the premiums payments. Mortality and risk fees are based on the age of the policyholder and the investment performance of the policy. In addition, underwriting fees help offset the insurer's cost for examining the policyholder's medical records.
How can I change the beneficiaries on my policy with my Apex universal life insurance company?
In Apex, NC, the best way to change the beneficiaries on your policy is to contact your insurance provider directly. Your provider will be able to provide you with the necessary paperwork that must be completed in order to file a request to change the beneficiaries or ownership of a policy. Your insurance provider can provide you guidance and information on any additional requirements that may be needed to complete this process. Additionally, the provider can review the policy details and make sure your beneficiaries are up-to-date to meet your current needs.
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