Compare over 37 Universal Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Dallas, OR 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 Dallas, OR. 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 Dallas, OR.
Frequent Questions...
Universal life insurance in Dallas, OR works by providing comprehensive, permanent life insurance coverage with the potential for cash value accumulation. The policy is designed to offer flexible premiums, allowing policyholders to adjust their premiums as their financial situation and needs change. Premiums over and above the necessary cost of insurance can be invested so the cash value in the policy grows, and the policyholder can withdraw money as needed while still maintaining the death benefit. The policy allows for optional riders which can be added to the policy for additional coverage and protection.
What are the potential risks associated with universal life insurance quotes in Dallas?
The potential risks associated with universal life insurance in Dallas, OR depend on the particular policy. Generally, the risk of the policy lapsing is one risk individuals should consider if their premiums can't be maintained. There is also the potential risk of outliving the money collected in the policy. Furthermore, if a policyholder needs to borrow money from the policy, interest fees may be applied and this could reduce the death benefit.
Can I get a universal life insurance policy Dallas if I have health issues?
Absolutely! Even if you have preexisting health conditions, you can still qualify for a policy in Dallas, OR. Our experienced agents will take the time to evaluate your specific situation and provide you with options that may be available to you. With rotating coverage options tailored to the individual, we will work with you to find a plan that fits your needs and budget. Plus, we offer additional benefits such as gap coverage to help with long-term financial planning. Don't hesitate to reach out to us, we are here to help!
What are the consequences of late premium payments and universal life insurance near Dallas?
In Dallas, OR, if you fail to make your premium payment on time, you may be subject to fines or a lapse in coverage. Specifically, if you're enrolled in an individual health plan, then after 60 days without a payment, your carrier could cancel your policy. Furthermore, any missed payments could be reported to the credit agencies, resulting in a drop in your credit score. Lastly, keep in mind that a delayed payment may also increase your overall premiums when you renew your policy.
When I get a universal life insurance quote Dallas, how is the interest on the cash value determined?
The interest on the cash value of a financial plan in Dallas, OR is typically determined by the specific rates offered by the various insurance companies available in the area. It is important to review the different options and their particular rates to ensure that you are getting the best rate possible on your cash value. Additionally, many plans support an additional bonus on funds that remain with the same carrier for a certain period of time, so it's important to consider all the factors when selecting an interest rate.
Yes, you can have multiple beneficiaries for your policy in Dallas, OR. Your insurance provider can help you determine who to list as beneficiaries of your policy. You may designate the same beneficiary for each asset or one person to receive certain assets and another person to receive the rest. It's also important to consider the tax structure that applies when it comes to distributing benefits--ask your provider for advice on which structure will best suit your objectives. Furthermore, you should periodically review your beneficiaries to ensure they still meet your needs.
Can I repay a loan with the cash value from universal life insurance policies near Dallas?
In Dallas, OR, you may be able to use the cash value from your policy to repay a loan. However, the way that works can vary significantly depending on what kind of loan you have. If the loan is unsecured, like a credit card or personal loan, it's generally not possible to repay the loan with the cash value from a policy. On the other hand, if the loan is secured against an asset, like a mortgage or car loan, you can use the cash value of your policy to repay the loan.
How long do I have to reinstate a lapsed universal life insurance in Dallas?
In Dallas, OR, the policyholder has 30 days to reinstate a lapsed policy. After 30 days, the policy lapses and is no longer in effect. If the policy is reinstated within this time period, the policyholder may receive a pro-rata refund for the premium amount they paid for the coverage during the lapse. Depending on the insurer, additional fees or premiums may apply as part of the reinstatement process. Itβs best to review your policy information to verify all conditions and timing.
How often will I be charged fees for my Dallas universal life insurance policy?
Residents of Dallas, OR will be charged on a semi-annual basis for the applicable fees. These fees typically include common property assessments, insurance, and association dues that vary from property to property. On average, residents will receive a bill in both January and June for the upcoming six months. Payment due dates for the respective bills will be clearly indicated on each statement. To ensure that all fees are paid in a timely manner, we recommend that residents review their statements and payment options closely.
How can I change the beneficiaries on my policy with my Dallas universal life insurance company?
To change the beneficiaries on your policy in Dallas, OR you will need to contact your local insurance agent. They can walk you through the process of updating and/or changing the beneficiaries on your policy. The paperwork will need to be completed to make the change and it is important that the paperwork be accurate and complete to ensure your wishes are kept and that the change is made properly. Depending on the policy and the change needed, you may also need to sign a new contract or amendment to the existing policy.
Compare Dallas, OR 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