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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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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 Beavercreek, OH.
Frequent Questions...
Yes, universal life insurance is considered a type of permanent life insurance and can provide Beavercreek, OH individuals the potential to build up cash value over time while also protecting them from the risk of outliving their coverage. Universal life insurance offers the flexibility of being able to adjust the death benefit and can be used to supplement retirement income or fund a college education. Whether it is for a family's financial security or to provide coverage for a loved one, universal life insurance is a great way to protect what's most important to you.
How do universal life insurance quotes in Beavercreek compare with term life insurance?
Universal life insurance offers more flexibility than term life insurance in Beavercreek, OH without requiring the policyholder to extend the coverage for a set time period. With universal life insurance, the policyholder can adjust the premium payments, death benefit, and length of coverage, providing more flexibility. This makes it an ideal choice if the insured is expecting changes in their financial situation or needs different flexible elements than what term life insurance offers. Additionally, universal life insurance policies also build cash value, which adds to the financial benefits of universal life insurance.
Are there any riders or additional benefits I can add to my universal life insurance policy Beavercreek?
Depending on your coverage needs in Beavercreek, OH, you may be able to add additional riders and benefits to your policy. Common riders and additional benefits include, but are not limited to, increased liability, uninsured/underinsured motorist coverage, and increased medical benefits. It is likely that you can add these riders and benefits to your policy once you have gathered quotes, compared rates, and decided on your preferred insurance provider. Even though additional riders and benefits can add more coverage and protection, they will also add to your monthly premium.
What are the consequences of late premium payments and universal life insurance near Beavercreek?
In Beavercreek, OH, if you fail to make premium payments on time, your policy may lapse and you may face financial penalties. It's important to remember that if you make a late payment, you will most likely incur a late fee, resulting in increased premium payments. Additionally, late payments may negatively affect your credit score. Ultimately, if your policy is in danger of lapsing, you should contact your insurance provider to discuss potential payment solutions, such as installments or payment plans.
How often is interest credited to the cash value in my universal life insurance quote Beavercreek?
Interest for cash value in Beavercreek, OH is credited annually on the contract anniversary date according to most policies. That means that the amount of interest credited to the cash value each year is based on the balance that was there on the anniversary date. Even if additional premiums are added in subsequent months, the amount of interest credited is only calculated on the balance from the anniversary date. Therefore, it's important to keep track of your contract anniversary date for maximum cash value growth.
Yes, increasing the death benefit for your Beavercreek, OH life insurance policy at later stages is possible. Many insurers allow policyholders to make additional premium payments during the life of the policy to increase the death benefit. Depending on the type of policy, policyholders can also increase their coverage by exercising riders or converting their policy into a different category. It is important to note that the amount of increase and any applicable fees will vary depending on the provider. Therefore, you should contact your policy provider to explore potential coverage increases and the associated costs.
How do I take a loan against universal life insurance policies near Beavercreek?
If you are currently living in Beavercreek, OH and are considering taking out a loan against your policy, the best place to start is by contacting your local financial institution. Depending on the loan amount, maturity, and other factors, you may be able to get an unsecured loan from your financial institution. If a secured loan is needed, you may need to look into a local credit union or bank. Additionally, if the loan is too large for your financial institution to handle, you may be able to take out a loan against your policy with the insurance company the policy is with.
Are there any penalties for surrendering the universal life insurance in Beavercreek early?
In Beavercreek, OH, surrendering a policy early could result in penalties depending on the type of policy. For example, if the policy is a loan-type policy with a loan balance, you may be subject to a surrender charge and/or any unpaid loan interest. Permanent life insurance policies may contain surrender charges that decrease over time, so the penalty may not be as severe as with other policies. It's best to consult with your insurance provider or agent to better understand the options and penalties for surrendering early.
How often will I be charged fees for my Beavercreek universal life insurance policy?
In Beavercreek, Ohio, the frequency of the charges will depend on the specific fees being charged. For example, utility fees will likely be charged on a monthly basis while recreation fees may be charged on a quarterly or annual basis. Of course, this may vary due to individual circumstances, so be sure to check with your local government for the most accurate information.
How can I adjust the terms of my policy through my Beavercreek universal life insurance company?
If you live in Beavercreek, OH and need to adjust the terms of your policy after it has been issued, you should contact a local insurance provider. Most providers in Beavercreek will have a process for changing or re-assessing existing policies, allowing you to change coverages or add extra riders. Additionally, some brokers may offer case-management support to ensure all paperwork is handled efficiently and changes are in effect as soon as possible. Before modifying any terms, it's important to make sure that you understand any changes as well as the implications of the new policy.
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