Compare over 37 Universal Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Bedford, TX 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 Bedford, TX. 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 Bedford, TX.
Frequent Questions...
In Bedford, TX, universal life insurance is considered permanent insurance due to its ability to provide a death benefit that lasts a lifetime. This type of insurance is specifically designed to provide long-term protection to a policyholder and their family. As an added benefit, universal life insurance also provides tax-deferred cash accumulation that can be accessed later in life. It is important to remember, however, that universal life insurance premiums are not guaranteed and are subject to change.
How do universal life insurance quotes in Bedford compare with term life insurance?
Universal life insurance is a more customizable and flexible option when compared to term life insurance for Bedford, TX residents. Permanent policyholders can adjust the face amount, premium payments and period of coverage based on their specific needs and budget over time. Term life insurance can offer more affordable coverage at a predetermined rate, but it does not offer the same shock absorption and cash value buildup, as universal life insurance does. Universal life insurance can also give Bedford, TX policyholders the potential to borrow against the cash value of the policy.
Does the flexibility of a universal life insurance policy Bedford benefit policyholders?
Universal life insurance offers Bedford, TX policyholders the benefit of flexibility in terms of premium payment. Policyowners can choose when and how much to pay, allowing them to adjust their coverages as their life and financial situation changes. This versatility provides additional income protection and the ability to budget more efficiently. Furthermore, universal life lets policyholders build cash value over time, which can be used to supplement retirement funds or for other long-term financial needs.
How is a premium calculated for universal life insurance near Bedford?
The universal life insurance premium for Bedford, TX is typically based on factors like age, gender, health, and lifestyle. Additionally, an insurer will use certain mortality tables to estimate the likelihood of an event diminishing your benefit. Finally, many insurers factor in the risk of default when calculating universal life insurance premiums, which means your credit history, financial situation and occupation may influence the amount of premiums you are charged.
Is there a guaranteed minimum interest rate for the cash value of my universal life insurance quote Bedford?
In Bedford, Texas, there is no guaranteed minimum interest rate for the cash value of any investment. However, the amount of any return you might receive is highly dependent on the kind of investment product and the current rate of return offered in the local market. Generally, it is wise to research any potential investment carefully and consider the current market dynamics in order to ensure you are receiving a rate of return that is in line with your expectations.
Beneficiaries in the Bedford, TX area should begin the process of claiming a death benefit by first obtaining the required documents and forms from the originating agency or auditor. The documents must be completed in full and signed by both the beneficiary and a qualified witness. Next, the forms must be submitted to the originating agency or auditor along with supporting evidence of the death benefit to be claimed. Upon approval, the agency or auditor will release the death benefit. It is important to note that filing claims and obtaining approval can take several weeks or even months depending on the agency or auditor's processes.
How do I take a loan against universal life insurance policies near Bedford?
If you live in Bedford, Texas and need to take out a loan against your policy, the best thing to do is find a local financial institution that's authorized to offer this type of service. For example, you could look into Citizens National Bank as they offer loan products that can be tied back to your policy. Itβs important to read the details of the loan carefully before committing and ensure you meet all of the criteria for it. If you have any questions or want to speak to an expert, don't hesitate to reach out and request an appointment with an experienced loan representative.
How long do I have to reinstate a lapsed universal life insurance in Bedford?
In Bedford, Texas, policy reinstatement typically has a one-time window of 30 days from the policy cancellation. During this time it is possible to reinstate the lapsed policy as long as past-due premiums are paid in full, and there is no other evidence that the policy is no longer active. Policyholders should keep in mind that reinstatement rights are not guaranteed in all cases and are subject to approval by the insurer. To find out more about reinstating a lapsed policy in Bedford, Texas, it is important to contact customer service.
What types of fees are associated with my Bedford universal life insurance policy?
Bedford, TX residents should be aware that potentially costly fees are associated with universal life insurance policies. These fees typically include monthly payments that cover the cost of the death benefit, the cost of any riders, and administrative charges. Additionally, policyholders may also be responsible for a fixed insurance charge, an investment management charge, a mortality and expense charge, and a sum of money paid to the advisor helping manage the policy. Lastly, policyholders may also need to pay other fees, such as withdrawal charges and taxes.
How can I adjust the terms of my policy through my Bedford universal life insurance company?
In Bedford, TX, if you want to adjust the terms of a policy after it has been issued, you would need to contact your insurance carrier directly. Most carriers have a process in place that allows policyholders to make changes to their policies, though the specifics may vary depending on the carrier. It may be necessary to fill out paperwork and provide proof of your identity in order to make the changes. Your agent at the insurance office can help you work through the process and can also answer any questions you may have.
Compare Bedford, TX 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