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With PolicyHub you get to compare over 37 DeLand, FL Universal Life Insurance policy providers in as little as 15 minutes. Save time. Save big. Get started now.
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"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
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"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.
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With PolicyHub getting started is easy. Compare all the Universal Life Insurance rates from all the providers in DeLand, FL. Get started in under 15 minutes.
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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.
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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
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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 DeLand, FL.
Frequent Questions...
Universal life insurance is a type of permanent life insurance policy that offers flexibility with regards to premiums, coverage amounts, and other features. For residents of DeLand, FL, it's a great option to consider as universal life policies provide lifetime protection to cover expenses and needs that may otherwise be difficult to anticipate. Additionally, the policy's cash value accumulation feature may be used as an emergency fund in times of need, offering a sense of financial security to those who don't have access to traditional savings accounts.
How do universal life insurance quotes in DeLand compare with term life insurance?
Universal life insurance is a form of permanent life insurance that offers more flexibility than term life insurance, making the coverage more tailored to your individual needs. In DeLand, FL, it provides policyholders with reliable death benefit protection that has the potential to last a lifetime, as well as flexible premium payments and the ability to add a cash value component. Universal life insurance can also provide policyholders with the opportunity to adjust their coverage over time. This is especially beneficial if an individual's insurance needs change over time, as one can choose to add benefits or increase the amount of coverage they receive.
Are there any riders or additional benefits I can add to my universal life insurance policy DeLand?
Yes, there are a few riders or additional benefits you can add to your policy in DeLand, FL. For example, you can opt for an additional insured, which will provide liability protection for additional parties. Or, you can add medical payments coverage, which provides coverage for minor medical expenses associated with an accident. You may also choose to add roadside assistance to your policy, which provides you with on-the-road assistance and access to a towing service in case of mechanical or roadside emergency.
Can I alter the frequency of my premium payments with universal life insurance near DeLand?
Yes, you can modify the frequency of your premium payments if you live in DeLand, Florida. Depending on the company, you may be able to change the frequency to fit your needs. For example, your premium might usually be monthly, but you can change it to quarterly or even annually depending on your particular company. Additionally, some companies even allow you to create a monthly payment plan that works within your budget. It's important to note that these modifications will often require additional fees or administrative charges.
How often is interest credited to the cash value in my universal life insurance quote DeLand?
Interest on cash values is typically credited to DeLand accounts on an annual or semi-annual basis, depending on the rules of the specific policy and provider. Many insurers serve the DeLand region that offer an array of options to help facilitate quick deposit of your accrued interest into your account both monthly and annually. The representatives of these insurers would be happy to provide details on how often interest is credited to your particular policy.
In DeLand, FL the process for beneficiaries to claim the death benefit is relatively straightforward. The death benefit can be claimed at any of the local Social Security Administration offices in the Volusia County area. The beneficiary will need to bring identification and documentation to prove their relationship to the deceased. The Social Security Administration will then review the information and process the death benefit payment. Once approved, the payment can be made either via check, or if the beneficiary has an existing direct deposit agreement with the SSA, the payment will be electronically deposited.
How do I take a loan against universal life insurance policies near DeLand?
If you live in DeLand, FL and are interested in taking a loan against your policy, your first step would be to contact your insurance representative or agent. You can also ask around to see if any local banks or other lending institutions offer this type of service. If approved for the loan, be sure to read over all of the loan agreements and understand all of the terms before signing. It's important to understand the rates and any other potential requirements before signing the agreement. Make sure you understand and adhere to all of the repayment terms before signing.
Can I reinstate my universal life insurance in DeLand after it lapses?
Yes, you can reinstate your policy after it lapses in DeLand, Florida. However, you may be subject to additional fees and/or fines and be required to submit additional proof of insurance and/or documents. Your insurance company may also need to reissue your policy before it can be reactivated. To find out more information, please reach out to your insurer directly to discuss details and any associated costs.
What types of fees are associated with my DeLand universal life insurance policy?
In DeLand, FL, the types of fees associated with a universal life insurance policy depend on many factors such as the policyholder's age and the policy benefit amount. Generally, policyholders will pay a monthly premium to stay in their policy, as well as an annual fee for the policy itself. Additionally, there are also fees associated with each policy adjustment that the policyholder makes, such as increasing or decreasing the death benefit or changing the premium payment amount. So it would be best to consult an insurance provider to fully understand all the fees associated with your particular policy.
How can I adjust the terms of my policy through my DeLand universal life insurance company?
In DeLand, FL, you can adjust the terms of your policy after it has been issued by visiting the local branch of the insurance company. Many times, you can complete the process online or by speaking to an agent over the phone. If you have any questions or need assistance with the process, the insurance company can provide guidance through email, a customer service phone number, or by scheduling a meeting in person at the DeLand office.
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