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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 Bexley, 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.
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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 Bexley, OH.
Frequent Questions...
Universal life insurance policies in Bexley, OH typically last as long as the policyholder pays the premiums, and some have no end date at all. The policy's cash value may also be used to cover any unpaid premiums, meaning the policy's death benefit can last indefinitely. Universal life insurance policies provide flexibility and can be designed to meet your personal needs and be modified as needed over the years.
How should I evaluate if universal life insurance quotes in Bexley fits my financial goals?
It is important to evaluate if universal life insurance is the best fit for your financial goals and needs. To best determine this, you should speak with an insurance agent in the Bexley, OH area and explain your current financial goals and needs, so they can then advise the best plan of action. Through this conversation, they will be able to advise whether universal life insurance is the suitable plan to help you accomplish your financial goals.
Can I get a universal life insurance policy Bexley if I have health issues?
Yes, it is possible to get a policy even if you have health issues in Bexley, OH. Our agents would be happy to review your individual situation and discuss policy options with you. To ensure the best coverage selection for you, it's important to provide any health information you may have when submitting your application. Our agents will use this information to obtain rates and coverage options that are tailored to your needs. With a variety of insurance carriers and plan options available, our agents will assist you in finding the best policy for your specific situation.
Can I alter the frequency of my premium payments with universal life insurance near Bexley?
Yes, you can alter the frequency of your premium payments in Bexley, OH. Depending on your personal circumstances and preferences, you have the option to make payments either monthly, quarterly, semi-annually, or annually. Additionally, if you prefer, you can also pay for multiple months of coverage in one lump sum payment. To better suit your specific needs and budget, your insurer will help you choose the payment plan that works best for you.
What investment options are available for the cash value component after my universal life insurance quote Bexley?
In Bexley, OH, there are a variety of investment options available for the cash value component, such as stocks, mutual funds, bonds, exchange traded funds, real estate, and more. Whether you are a savvy investor or a novice, you can find a strategy to meet your specific needs. Many investors in this area choose to use a combination of investments for the cash value component, allowing them to diversify their portfolios and maximize their potential returns. Additionally, there are several local financial institutions and advisors who can provide advice on which investments to make.
Bexley, OH residents have the option to increase their policy's death benefit later in life. Depending on the details of the policy, you may be able to customize a few of the features, including the coverage amount. Most insurance companies may require you to go through an assessment, which may result in a medical or financial exam depending on the factors associated with the policy. However, if everything goes according to plan, policyholders from Bexley, OH can adjust the death benefit of their policy to suit their ever-changing needs.
How does a withdrawal affect my death benefit and universal life insurance policies near Bexley?
Taking a withdrawal from a life insurance policy can have an effect on the death benefit due to the fact that the death benefit is based on the accumulated cash value of your policy at the time of your death. In Bexley, OH, each time you take a withdrawal, you are reducing the cash value balance, and thus reducing the amount of death benefit that will pay out. For this reason, it is important to carefully consider taking a withdrawal since it can ultimately affect the amount of life insurance coverage and death benefit that you will be able to provide to your loved ones.
Can I reinstate my universal life insurance in Bexley after it lapses?
Yes, you can reinstate your policy after it lapses in Bexley, OH. If it has been more than 90 days since your policy lapsed, you will need a reinstatement form and proof of prior insurance to be able to reinstate the policy. You may also be subject to a reinstatement fee. After you have successfully complied with the reinstatement requirements, you will have full coverage according to the terms of your policy in place prior to the lapse. Please contact your insurer for further details regarding individual policies.
With the average Bexley universal life insurance policy, are there any transaction fees?
Investment transactions within the Bexley area are generally exempt from transaction fees. That said, it's always best to check with a professional financial advisor in your area to ensure that making changes to your investment portfolio won't lead to unexpected costs. Depending on your current investment structure, you may even be able to avoid transaction fees altogether. Moreover, one of the benefits of working with a local financial advisor is that they understand the unique nuances of investment opportunities in your area and can help you make informed decisions.
Can I add or remove riders after the policy has started with my Bexley universal life insurance company?
In Bexley, OH, you may be able to add or remove riders on an existing policy after it has started. However, this depends on the terms and conditions of the policy and the insurance carrier involved. It's important to consult with the insurer to determine how feasible it is to make changes to the policy and to learn about any limitations or fees that may be associated with amending someone already in effect.
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