Compare over 37 Universal Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Concord, NH 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 Concord, NH. 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 Concord, NH.
Frequent Questions...
Universal life insurance is an ideal choice for individuals in Concord, NH who are looking for the flexibility to suit their particular needs in life insurance coverage and premiums. Universal life insurance policies in Concord, NH allow policyholders to adjust their death benefit amounts and premiums in order to accommodate budget and coverage preferences, permitting them to create an individual plan for their changing needs. As a bonus, the majority of universal life policies also feature cash savings components, which accrue cash value over time and can be used to pay premiums.
How should I evaluate if universal life insurance quotes in Concord fits my financial goals?
Evaluating if universal life insurance is the right fit for your financial goals in Concord, NH will depend on a variety of factors. You'll want to take a look at how much coverage you need, the length of the policy term, the premiums that you can afford, and the benefits associated with the policy. Consider consulting with a financial advisor or licensed insurance broker in the Concord, NH area to get more information. Keep in mind that all life insurance contracts, including universal life insurance, are subject to the terms of the policy, so being aware of the specifics of the policy is essential.
How can the cash value in my universal life insurance policy Concord grow over time?
As a Concord, NH homeowner looking to grow the cash value of your policy, there are several options. One is to invest in a life insurance policy with an accumulation option; this allows the cash value to grow on a tax-deferred basis with the choice of receiving dividends paid by the life insurance company. Additionally, you can periodically add an additional premium or "top-up" to the policy in an effort to further build the cash value.
With universal life insurance near Concord, can I increase or decrease my premium amount after the policy starts?
Yes, you can adjust your premium amount at any time after your policy starts when youβre a Concord, NH resident. If you decide to increase your coverage, the change will take effect immediately. However, if you decide to decrease your coverage, then a cancellation process may apply to ensure all coverage details are accurately updated. Our agents at the Concord, NH office will be happy to answer any questions you may have. They can provide further information on adjusting your premium amount and the cancellation process as needed.
What investment options are available for the cash value component after my universal life insurance quote Concord?
Concord, NH residents have a number of investment options available for the cash value component of their financial plans, including mutual funds, stocks, annuities, closed-end funds, ETFs, and REITs. These can be tailored to the individual's financial goals and risk tolerance, with options that offer growth, low volatility, and even high yield. Additionally, investing in CDs, bonds, and other fixed-income vehicles provide stability and steady income. Working with a financial advisor or wealth manager can help to create the perfect plan for any individual's needs.
In Concord, NH, death benefits are generally not taxable at the state or local level as long as the benefits are classified as proceeds from life insurance policies or retirement accounts. In some cases, if the death benefit is part of a pension plan, it may be subject to taxation in the state. To find out more about whether a death benefit is taxable for a specific situation in Concord, NH, one should seek the advice of a qualified tax attorney or accountant.
Can I repay a loan with the cash value from universal life insurance policies near Concord?
In Concord, NH, you can repay a loan with the cash value from your life insurance policy. To do this, you would have to request a surrender or loan/withdrawal form from the insurance provider, complete the process, and submit the form. Once the form is received, the insurer will then release the cash value and the loan will be repaid. To get more information and to ensure this is the route you want to take, an experienced life insurance professional can assist you.
How is the surrender value calculated with my universal life insurance in Concord?
The surrender value of a life insurance policy is based on the age and health of the insured, the premium that has been paid, the length of the policy, and the prevailing market interest rate. In Concord, NH, you can get individual advice on the surrender value of a life insurance policy from one of the licensed insurance professionals available in town. Depending on the specifics of the policy, the surrender value of the policy in Concord, NH, may be subject to taxes or fees, so be sure to discuss this and other relevant details with your local insurance representative during your consultation.
How do management fees affect my cash value growth with my Concord universal life insurance policy?
In Concord, NH, management fees have a direct impact on your cash value growth. These fees are designed to cover the costs associated with investment fund management in order to maximize your returns. Generally, these fees tend to be more expensive for higher risk investments. Although management fees come out of your cash value growth, they are usually offset by higher returns due to the expertise of the managers. Investing with an experienced asset manager in the Concord area can help to ensure that fees are kept to a minimum while maximizing your returns.
Can I add or remove riders after the policy has started with my Concord universal life insurance company?
At Concord, NH, customers have the ability to add or remove riders after a policy has started. To begin the process, it's important to contact your agent and review the details of the policy to determine what riders are necessary. Once the specifics are established, Concord, NH requires a written request to add or remove the riders. The request must then be reviewed and approved before any changes can be made. If the request is approved, additional fees may apply and a revision to the policy must be documented and signed.
Compare Concord, NH 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