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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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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.
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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
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Roy Stephens is a universal life insurance agent licensed in your state.
Mark Sidway
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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 Bethel Park, PA.
Frequent Questions...
Yes, universal life insurance in Bethel Park, PA is considered to be a type of permanent insurance due to its design. Universal life insurance offers a permanent death benefit and builds permanent cash value on a tax-deferred basis. Unlike other forms of life insurance, it allows policyholders to adjust coverage and payments to meet their changing needs over time. With this flexibility, policyholders can customize the policy to meet their needs from childhood to retirement age.
For whom are universal life insurance quotes in Bethel Park most suitable?
Universal life insurance is most suitable for individuals in Bethel Park, PA who are increasingly aware of their mortality and want to guarantee the financial security of their family in case of their untimely death. With a universal life policy, Bethel Park, PA residents can choose a rate of premium payment, death benefits, and investment strategy offering more flexibility than typical life insurance policies. It also accumulates cash value, which is accessible through loan or partial withdrawals to address unexpected expenses or even retirement funds.
Does the flexibility of a universal life insurance policy Bethel Park benefit policyholders?
Universal Life Insurance is highly beneficial to policyholders in Bethel Park, PA due to its flexibility. It allows policyholders to adjust their death benefit amount, their payment frequency, and the amount they are contributing. They are also able to take advantage of the ability to invest in their policy while still receiving a guaranteed rate of return. Additionally, universal life insurance allows policyholders the option of using their policy as collateral for certain loans, making this type of policy a key financial tool in Bethel Park.
With universal life insurance near Bethel Park, can I increase or decrease my premium amount after the policy starts?
In Bethel Park, PA policyholders may contact their insurance company to discuss the possibility of increasing or decreasing their premium amount after the policy has started. It is important to note that several factors may influence the result, such as the policyholder's history with their current provider, their current risk profile, any applicable discounts and other determining factors. Therefore, it is best to reach out to the insurer directly to assess what options are available. Ultimately, it is the insurer's discretion whether they can adjust the policy amount.
When I get a universal life insurance quote Bethel Park, how is the interest on the cash value determined?
Interest on the cash value in Bethel Park, PA is typically determined by the average daily balance method. This means that each day, the issuers will tally the sum of the account holderβs balance for that day and divide that total amount by the number of days in the billing cycle. Interest is then accrued and paid out on the total balance from that cycle. Additionally, the rate of the interest is typically dependant upon the type of holding the cash value is in (i.e. savings account, money market account, etc.) and the amount of the total balance.
Yes, you can absolutely have multiple beneficiaries for your policy in Bethel Park, PA. A beneficiary is someone who will receive the proceeds of the policy in the event of the insured person's death. Many policyholders choose to have more than one beneficiary so that their assets can be distributed among multiple people. Depending on the policy, you may be able to designate primary and secondary beneficiaries, and even divide the death benefit among several beneficiaries if desired. Additionally, you can modify your beneficiaries at any time while the policy is active.
What is the maximum amount I can borrow from universal life insurance policies near Bethel Park?
The maximum amount that you can borrow from your policy depends on your policy's terms and the applicable state laws in Bethel Park, Pennsylvania. As a general rule of thumb, most life insurance policies in the area provide borrowers with the ability to borrow up to 75% of the cash value in the policy. However, this amount can vary depending on the issuing insurance carrier and the financial circumstances of the borrower.
How is the surrender value calculated with my universal life insurance in Bethel Park?
In Bethel Park, PA, the surrender value of an annuity is calculated by the insurance provider based on the current fair market value of the annuity and the insured's investment history. This calculation is usually understood to be the amount of money an individual would receive if they choose to withdraw their policy before the agreed upon maturity date. When calculating the surrender value, aspects such as original date of issue, payment amount, and rate of premium are taken into consideration. After these items are factored in, the surrender value associated with the annuity is determined.
What types of fees are associated with my Bethel Park universal life insurance policy?
Universal life insurance policies in Bethel Park, PA vary in the types of fees associated with them, depending upon your individual needs and goals. Generally, there are policy fees which include premium payments, costs associated with setting up a policy, annual maintenance, and taxes, as well as any charges for additional riders or services. Depending on the policy, there may also be charges for loans, withdrawals, or missed premium payments on the policy. Your agent can provide more detailed information to ensure you are selecting a policy that best meets your needs.
Can I add or remove riders after the policy has started with my Bethel Park universal life insurance company?
Yes, you can add or remove riders to your policy after it has started in Bethel Park, PA. To do so please contact the insurance company you purchased the policy from. Generally, it is best to make changes as soon as possible to ensure your policy benefits and coverage are up to date. Often riders are added due to change in life or circumstances. Depending on the insurance company, adding or removing riders may involve some additional paperwork or proof of the change of circumstances. Please contact your insurance company directly for more information and guidance on how to best alter your policy.
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