Compare over 37 Universal Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Clive, IA 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 Clive, IA. 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 Clive, IA.
Frequent Questions...
Universal Life Insurance is designed to provide long-term financial security for life, so it can last up to Clive, IA residents' entire lives if the policyowner makes the necessary payments to keep the policy in force. In addition, when policyholders reach the age of 100, the policy will still provide coverage until the death benefit is paid out. Universal Life Insurance also allows for flexibility, so policyholders in Clive, IA can adjust their premium payments or death benefit amount over time to match their changing needs.
How do universal life insurance quotes in Clive compare with term life insurance?
Universal life insurance can be a great choice for those who live in Clive, IA, and are looking for permanent life insurance coverage. It can provide lifetime protection and adjustable premiums and death benefit amounts that allow flexibility. Unlike term life insurance, which provides coverage for a specific amount of time, universal life insurance provides lifelong protection with the potential for cash value accumulation. Universal life insurance also allows for the flexibility of changing the death benefit or the premium amount. This allows consumers in Clive, IA to make the most of their life insurance policy and stay on budget when life happens.
Can I get a universal life insurance policy Clive if I have health issues?
At Insurance Specialists in Clive, IA, we believe that having health issues should not prevent anyone from obtaining the insurance coverage they need. We offer a variety of services and plan options to ensure that anyone who is looking for coverage can find the right fit for their unique situation. Our knowledgeable team of professionals are happy to provide solutions and answers to all of your insurance needs, regardless of health condition. Give us a call and one of our agents will be more than happy to answer any questions you may have about available policies and coverage options.
What are the consequences of late premium payments and universal life insurance near Clive?
In Clive, Iowa, not making timely premium payments can result in increased financial consequences. Typically, insurance companies will first issue late fees for missing payments; if this continues, they may cancel the policy and cease providing coverage. Furthermore, Clive residents could be responsible for the remaining amount due for the cancelled policy. Lastly, if an individual has a lapse in coverage, his or her credit score may be affected. All of these potential financial penalties can be averted by simply ensuring on-time payment of premiums.
How often is interest credited to the cash value in my universal life insurance quote Clive?
In Clive, IA, the interest on your cash value is typically credited on an annual basis, but this can depend on the policyโso it's important to check with your insurer to determine exactly when your money will become available to you. If you would like your interest credited to your cash value more frequently, you can check to see if a more frequent financial transaction is allowed. Every situation is unique, so it is important to consult with your insurer to make sure you get the most out of your policy.
Yes, you can have multiple beneficiaries for your policy, depending on what best suits your financial needs in Clive, IA. Depending on the type of policy you have, you may be able to designate multiple beneficiaries that will be eligible to receive payments upon your passing, should your estate be insufficient. We recommend consulting with a financial advisor who specializes in this type of case in order to best determine what will work best for your unique needs. Don't forget to review the policy and make sure all of your named beneficiaries are specified to ensure all loved ones receive the promised payments.
How does a withdrawal affect my death benefit and universal life insurance policies near Clive?
Taking a withdrawal from your life insurance policy can affect the death benefit you provide to your beneficiary in Clive, IA, depending on the policy type. Generally, any withdrawals from the policy will reduce the death benefit, or the face value, you'll be able to provide your beneficiary when you pass away. In addition, if the withdrawal exceeds the cost basis, the excess may be considered taxable income. It's important to consider taking a withdrawal and how it will affect your death benefit before you move forward.
What is the process for surrendering my universal life insurance in Clive?
To surrender your universal life insurance policy in Clive, IA, you should first contact the customer service team of the insurance company that issued the policy. The customer service team will provide you with an official surrender request form. You must complete this form and attach all necessary documents, such as your policy agreement or certificate, before submitting it. Once the form and documents are submitted, the insurer will review your request and issue payment for the policy. The payment amount is calculated according to the established surrender rules of the insurance company and the amount of cash surrender value applicable to your policy.
How do management fees affect my cash value growth with my Clive universal life insurance policy?
Management fees can have an impact on Clive, IA residents' cash value growth. High management fees can devour returns and decrease the amount of money one makes on their investments. On the other hand, lower management fees can help individuals achieve higher returns on their investments. To maximize their cash value growth, Clive, IA residents should take the time to examine the management fees of potential investments and estimate the impact of fees on their returns.
Can I add or remove riders after the policy has started with my Clive universal life insurance company?
Yes, you are able to add or remove riders to your existing policy after it has started in Clive, IA. Depending on the circumstances, depending on what particular rider it is and which insurance company handles your policy, you may have to complete additional paperwork. Speak with your local insurance agent to determine if this is the case, or make necessary changes online if your insurer allows it. It is important to remember that adding or removing a rider can affect your premium and coverage amount. Depending on the coverage needed, rider removal may also result in an early cancellation fee.
Compare Clive, IA 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