Compare over 37 Universal Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Bristol, TN 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 Bristol, TN. 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 Bristol, TN.
Frequent Questions...
One key reason to choose universal life insurance, particularly in Bristol, TN, is its flexibility. With this type of policy, customers can select between numerous variations, allowing them to customize coverage and premium payments to fit their individual needs and budget. Also, unlike term life insurance, universal life insurance has an investment component which grows on tax-deferred basis, making it attractive to individuals living in Bristol due to potential tax benefits.
How should I evaluate if universal life insurance quotes in Bristol fits my financial goals?
If you're in Bristol, TN and considering if universal life insurance is the right choice to meet your financial goals, the best thing to do is to speak with a qualified financial advisor. They will be able to answer all your questions and help you evaluate if this type of insurance meets your present and future financial needs. They can also provide information about specific life insurance options available through local providers that may fit your needs, such as coverage amount, premium payments, and possible tax benefits.
Does the flexibility of a universal life insurance policy Bristol benefit policyholders?
Universal life insurance offers policyholders in Bristol, TN the flexibility to adjust their premiums, coverage amounts, and even the duration of their policy allowing them to tailor the policy to their individual needs and budgets. This can be incredibly beneficial throughout their life, as needs and financial situations change. For example, premium payments can be adjusted to better fit their budget or they can increase their coverage to provide additional financial security in the case of an emergency. Of course, a licensed agent should always consult with you to determine the appropriate plan for your needs.
With universal life insurance near Bristol, can I increase or decrease my premium amount after the policy starts?
In Bristol, Tennessee, you can increase or decrease your premium amount after the policy starts by speaking with your local insurance agent or broker. Depending on the particular circumstances, you may be able to add new coverage, remove existing coverage, or adjust the amount of coverage that you have on your policy, which will in turn affect your premium amount. Please be aware that modifications to existing policies may have corresponding changes in premiums. It's best to speak with a local agent or broker to review your options and determine exactly how changes to your policy may affect your premium amount.
What investment options are available for the cash value component after my universal life insurance quote Bristol?
In Bristol, TN there are a variety of investment options for the cash value component. These include stocks, bonds, and Exchange Traded Funds (ETF). Investment options also include mutual funds, money market accounts, and annuities. Depending on the specific needs of the investor, they may also include certificates of deposit, variable life insurance, commodities, alternative investments, and real estate. It's best to discuss with a financial advisor to determine which investments might be best for your individual situation.
Yes, absolutely. In Bristol, TN you can have multiple beneficiaries for your policyโup to three, in fact. Several individuals can be designated to receive a benefit payment, with ownership shared equally. In some cases, the beneficiary can be a trust, estate, or other legal entity. You can also name a secondary (or "contingent") beneficiary in case the primary beneficiary dies before receiving the payment. Talk to your insurer today to find out more about your ability to assign multiple beneficiaries to your policy.
Can I repay a loan with the cash value from universal life insurance policies near Bristol?
In Bristol, TN, you can indeed repay a loan with the cash value from your policy. As one of the area's leading financial institutions, we understand the importance of having quick access to the funds you need. We are here to help you through this process and ensure you can access the cash you need when you need it. Whether it is a loan refinance, a home equity loan or other loan that you need to repay, our team has the experience and expertise to help you find the best solution.
How is the surrender value calculated with my universal life insurance in Bristol?
In Bristol, TN, the surrender value of a life insurance policy is largely determined by the company providing the policy and the policyholders premium payment history. Generally speaking, payments of premiums have resulted in the policy accruing a certain amount of return, whenever the policy maturity or the policyholder decides to surrender the policy. This amount is generally made up of accumulated premiums, money saved by the company, and any other earned dividends. The policyholder will receive this value at maturity or surrender, less any outstanding loans or charges due to the company for not following the terms of the policy.
Are there penalties for excessive withdrawals from my Bristol universal life insurance policy?
Penalties for excessive withdrawals will depend on the bank or credit union in Bristol, TN. Financial institutions in Bristol often have different guidelines when it comes to fees for withdrawals made in one day or within a certain time frame. Be sure to check with your financial institution to understand their policy. Additionally, if you are accessing money from an IRA account, the IRS may impose a penalty for excessive withdrawals.
Can I add or remove riders after the policy has started with my Bristol universal life insurance company?
In Bristol, TN, the answer to whether or not you can add or remove riders after a policy has started is that it depends on the specific policy. It's best to check with your local insurance provider or agent to see if this is an option. Some policies may allow additions or removal of riders after a policy starts, while others may not. Knowing the specifics of your policy can help you determine the best option for you.
Compare Bristol, TN 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