Compare over 37 Universal Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Collegedale, 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 Collegedale, 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 Collegedale, TN.
Frequent Questions...
Universal life insurance works by providing death benefit protection while also accumulating cash value for the policy holder. In Collegedale, TN, universal life insurance policies are tailored to meet your individual needs and goals. Premiums are flexible and are paid into your policy, where cash value can accumulate tax-deferred. As long as there is sufficient cash value in your policy, your death benefit will stay in force, providing financial security to your loved ones upon your death. You can also access your cash value and use it for various life events, such as to pay taxes on an inherited estate.
What are the main differences between universal life insurance quotes in Collegedale and whole life insurance?
One of the main differences between universal and whole life insurance in Collegedale, TN is the flexibility of the death benefit. Whole life insurance provides a fixed death benefit that does not decrease over time, while a universal life insurance policy allows for more flexibility by offering the option to choose a higher or lesser death benefit payment. Additionally, the cash value of the policy works much differently in the two plans.
What features make a universal life insurance policy Collegedale unique compared to other life insurance products?
Universal life insurance offers several unique features that aren't often found in traditional life insurance policies. In Collegedale, TN, policyholders can benefit from flexible premiums, compound interest, adjustable death benefits, and the ability to build tax-deferred cash value. Universal life offers more flexibility than other life insurance products, allowing policyholders to change their payments or death benefit amount according to their changing needs. This type of policy can also provide all the advantages of permanent life insurance, while still offering more flexibility than the common term life versions.
How is a premium calculated for universal life insurance near Collegedale?
Your universal life insurance premium is determined by multiple factors, including your age, health, gender, and the coverage requested. These factors, along with any special rates that may be available in Collegedale, TN, will determine the cost of your premium. The insurance company will also consider specifics that aren't universal to everyone, like if youβre an active or inactive smoker, or if you indulge in risky activities like skydiving.
Is there a guaranteed minimum interest rate for the cash value of my universal life insurance quote Collegedale?
Unfortunately, there is no guaranteed minimum interest rate for the cash value in Collegedale, TN. The interest rate normally fluctuates according to a variety of factors such as the current economic climate and the performance of the investments in which the cash value is invested. Ultimately the cash value will gain interest depending on the performance of these investments. If you are seeking a guaranteed interest rate, you may wish to consider other financial products.
Absolutely, you may increase the death benefit later in the policy's life. The process to do so is dependent on your specific policy and should be discussed with a professional insurance agent in Collegedale, TN. They may be able to provide additional options such as a one-time premium payment or additional riders to add more death benefit to the policy. Be aware that the increase of the death benefit may also come at a cost, such as increased premiums or additional fees.
Are there any fees associated with taking a loan against universal life insurance policies near Collegedale?
In Collegedale, TN, the terms and conditions of the loan will dictate the fees associated with taking out a loan. Generally, there are costs such as interest rates, closing costs, processing fees and other miscellaneous fees. These fees are in addition to any deposits required to secure a loan. When it comes to financing, it is important to understand the terms of your loan and to read the fine print, so you are aware of all of the fees associated with taking out a loan.
Are there any penalties for surrendering the universal life insurance in Collegedale early?
In Collegedale, TN, the penalties for surrendering a policy early depend upon the specific type of policy and the policy provider. Generally, early policy surrender may result in a surrender fee and/or forfeiture of any dividends or interest accrued. In addition, the policy holder may also incur a tax penalty. In some cases, surrendering the policy may also adversely affect the policy holder's credit score. For additional information, it's best to contact your local policy provider for further details.
What types of fees are associated with my Collegedale universal life insurance policy?
In Collegedale, TN, the types of fees associated with a universal life insurance policy include a policy fee, a mortality and expense fee, and an administrative fee. Policy fees are used to cover the cost of issuing and servicing the policy. The mortality and expense fee is used to cover the cost of the death benefit as well as any incidental costs associated with the policy. Administrative fees, which cover all of the business costs, will also be added. Additionally, you may have to pay additional taxes, premium taxes, as well as special assessments and charges.
Can I add or remove riders after the policy has started with my Collegedale universal life insurance company?
At Certified Insurance Solutions, in Collegedale, TN, we understand that life can be unpredictable. Yes, you can add or remove riders after your policy has started. The same goes for adding or removing insureds. However, you may want to make sure that these changes don't affect the coverage for your existing policy. If you think these changes do affect the coverage for your existing policy, then you may have to obtain a new policy to ensure that you continue to have the right coverage for you and your family.
Compare Collegedale, 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