Compare over 37 Universal Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Bellefontaine, OH 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 Bellefontaine, OH. 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 Bellefontaine, OH.
Frequent Questions...
Universal life insurance is a type of permanent insurance product that is tailored to meet the individual needs of a policyholder and provide policyholders with financial security. Universal life insurance is flexible and allows policyholders to enjoy the benefit of cash value growth with their policy as well as making adjustments to the premiums to meet their financial needs. Universal life insurance is a great option for individuals in Bellefontaine, Ohio, who would like to benefit from long-term financial stability while having protection against certain financial risks.
What are the potential risks associated with universal life insurance quotes in Bellefontaine?
In Bellefontaine, OH, the potential risks associated with universal life insurance include the possibility of inadequate cash value accumulation, an unanticipated increase in policy expenses, and an unexpected mortality and expense risk charge. These risks could cause a policyholder to owe more for premiums than what was originally anticipated, reducing the amount of money available in cash surrender values. Additionally, there is also the possibility of a shortened policy term or contractor default, resulting in a policyholder not having a guaranteed death benefit.
Can I get a universal life insurance policy Bellefontaine if I have health issues?
If you're a resident of Bellefontaine, OH, you can certainly get a policy with health issues. Local insurance providers typically consider many different factors when assessing healthcare policies, such as age, family size, and pre-existing health conditions. While policies for a person with existing health issues may cost more due to the added risk, these providers may accept applicants regardless of pre-existing medical conditions. Of course, you'll need to check with your provider for more details on any specific policy you're interested in.
With universal life insurance near Bellefontaine, can I increase or decrease my premium amount after the policy starts?
In Bellefontaine, OH, yes, you have the option to increase or decrease your premium amount after the policy starts. Your policy allows both you and the insurer to make adjustments to your premium amount as needed. There are several circumstances that can necessitate a change in premium cost, such as if you increase or decrease your level of coverage or if the insurer changes its rates. Reviewing your policy and speaking with a representative from your insurer can help you understand when and how a premium adjustment may be applicable.
Is there a guaranteed minimum interest rate for the cash value of my universal life insurance quote Bellefontaine?
In Bellefontaine, OH the interest rate on cash value depends on the particular insurance company and policy type you choose. Many insurance companies offer a guaranteed minimum interest rate that guarantees the cash value will be protected and will not decrease in value. Since each insurance company's terms, rates and guarantees differ, it is important to shop around and compare policies to make sure you get the best product for your needs.
In Bellefontaine, OH, the process for beneficiaries to claim the death benefit is quite simple. The first step is for them to contact the funeral home or other entity where the decedent's death was formally registered, such as the local Coroner's Office. Then they must complete the necessary forms, provide an original death certificate, and other relevant identification. Finally, the death benefit can be collected from the Registrar of Probate in the county courthouse. It's important to remember that the process may vary slightly depending on the laws and regulations that apply in Bellefontaine, OH.
How does a withdrawal affect my death benefit and universal life insurance policies near Bellefontaine?
Depending on the type of insurance you have in Bellefontaine, OH, taking a withdrawal may affect the amount of your death benefit. Generally, when money is withdrawn from a policy prior to death, the death benefit could be reduced accordingly. To avoid affecting your death benefit, it is advised that policyholders contact the insurer to get details about possible affects, the fees associated and ways to minimize the impact a withdrawal has on the death benefit. Be aware that certain insurance policies may not allow for the withdrawal of money prior to death, so make sure to become familiar with the details of your policy.
How long do I have to reinstate a lapsed universal life insurance in Bellefontaine?
It depends on the circumstances surrounding the outlook policy. Generally, most carriers in Bellefontaine, OH allow up to 31 days to reinstate a lapsed policy. However, you should contact your car insurance company as soon as possible to discuss your options. Some companies provide reinstatement grace periods, allowing you additional time to pay premiums. Alternatively, if you're unable to reinstate the policy while it is still in-force, you may be eligible to purchase a new policy covering you from a later date.
What types of fees are associated with my Bellefontaine universal life insurance policy?
In Bellefontaine, OH, the fees associated with a universal life insurance policy will depend on the specific needs of the policyholder. Generally speaking, there are two types of fees typically associated with these policies: premium fees and policy fees. Premium fees are paid to keep your policy active and are usually periodic payments, such as an annual fee. Policy fees are fees associated with non-premium costs, such as administrative costs, which are typically charged as a one-time fee.
How can I adjust the terms of my policy through my Bellefontaine universal life insurance company?
In Bellefontaine, OH, you can make changes to your policy after it has been issued by visiting your local insurance office or contacting your insurance agent directly. Adjusting the terms of your policy may require you to fill out a form or submit a written request so be sure to ask your insurance agent what documentation may be necessary. It's important to note that some policy terms, such as the coverage amount, may require reapplication and underwriting. Once any forms are completed, you will want to review the changes with your agent to make sure the adjustments accurately reflect your needs.
Compare Bellefontaine, OH 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