Compare over 37 Universal Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Dania Beach, FL 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 Dania Beach, FL. 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 Dania Beach, FL.
Frequent Questions...
Universal life insurance is designed to be permanent life insurance, which means it is designed to provide lifetime coverage. However, the specifics of your policy will ultimately dictate how long your universal life insurance can last in Dania Beach, FL. Depending on how the policy is initially structured, the death benefit and premiums you pay may change over time. If your premiums don't keep up with the changing costs of the policy, your coverage may expire before you pass away.
What are the main differences between universal life insurance quotes in Dania Beach and whole life insurance?
Whole life insurance and universal life insurance are two of the most popular life insurance options available to Dania Beach, FL residents. The primary difference between universal and whole life insurance is in the way premiums and coverage amounts are determined, and how much of the premium is allocated to savings. While whole life insurance premiums remain level throughout the life of the policy, universal life insurance premiums and coverage amounts can be adjusted depending on your needs and budget.
Are there any riders or additional benefits I can add to my universal life insurance policy Dania Beach?
In Dania Beach, FL, you have the option to add riders and additional benefits to your policy. Depending on your preference, you could enjoy coverage beyond the basic policy, such as Personal Property Insurance or Increased Liability limits. You could also add protection for watercrafts, towing, and roadside assistance. Furthermore, you may add Accident Medical Payments to have more comprehensive medical coverage in case you are in an accident. If you are a business owner, you could include Business Property Insurance to cover lost or damaged items.
What are the consequences of late premium payments and universal life insurance near Dania Beach?
For customers living in Dania Beach, Florida, the consequences of late premium payments can be significant. When payments are not received on time, policyholders may experience an interruption of coverage, which could lead to financial losses if an incident occurs and the policyholder is not insured. Additionally, companies may assess late fees or interest, making the policy price more expensive. Late premium payments can also leave customers vulnerable to future increases in insurance premiums or non-renewal of the policy. It's important for Dania Beach residents to keep their payments current to ensure their coverage remains in place.
How often is interest credited to the cash value in my universal life insurance quote Dania Beach?
The frequency of interest credited to the cash value of an insurance policy in Dania Beach, FL will depend on the policy type. Generally, interest credited to a life insurance policy will be annual or semi-annual, depending on the policy. However, if an annuity is part of the policy, interest could be credited more frequently such as quarterly, monthly, or even daily. Therefore, it is important to be aware of the policy details in order to accurately determine how often interest is credited.
In Dania Beach, FL, death benefits are typically not taxable for Federal or Florida State income tax purposes. However, any interest earned on death benefits may be taxable. In some cases, death benefits may be subject to taxation if they exceed $10,000 or are placed in a trust. It is important to discuss your specific situation with a qualified professional, and you can contact the Florida State Tax Department for up to date information or advice.
How do I take a loan against universal life insurance policies near Dania Beach?
If you're in Dania Beach, FL and you're looking to take out a loan against your policy, one of the best ways to go about it is to contact the Dania Beach branch of your policy provider. A representative there should be able to go through your policy documents to check whether or not a loan is possible, as well as providing information about the likely loan terms and conditions. Loan applications can often be completed entirely online, though you may need to supply additional documentation or attend an in-person appointment.
How long do I have to reinstate a lapsed universal life insurance in Dania Beach?
To reinstate a lapsed policy in Dania Beach, FL you must do so within ninety (90) days of the policy's lapse date. After this time period, your insurer will be unable to reinstate your policy and you will need to apply for a new policy, if you still require one. If you are unable to pay the premiums due within the 90 day time frame, it is important that you contact your insurer to discuss alternative arrangements for payment as soon as possible. Taking swift action can help you avoid having to sign up for an entirely new policy.
What types of fees are associated with my Dania Beach universal life insurance policy?
In Dania Beach, FL, universal life insurance policy fees depend mainly on the type of policy you choose. Generally, there are insurability fees, policy fees, and coverage fees. Insurability fees are related to underwriting risks, policy fees cover ongoing transactions and administrative costs associated with the universal life policy, and coverage fees are the premium costs associated with the policy. Additionally, riders and policy annuitization can result in additional fees. As universal life insurance policies are complex, it's important to contact your qualified insurance agent to review all the associated fees prior to purchase.
Can I add or remove riders after the policy has started with my Dania Beach universal life insurance company?
Absolutely. It is possible to make changes to your policy in Dania Beach, FL even after the policy has started. However, there are certain criteria that must be met before these changes can be implemented. For example, when adding or removing riders, you must provide documentation that states the reasons for such changes. Furthermore, you may be required to submit information that verifies the current identity, age, occupation, medical history, or other information of the insured person.
Compare Dania Beach, FL 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