Compare over 37 Universal Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 East Point, GA 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 East Point, GA. 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 East Point, GA.
Frequent Questions...
In East Point, GA, universal life insurance is a form of life insurance that includes a savings element. This savings element allows for growth on a tax-deferred basis and the policyholder can make changes to the policy's death benefit and the premium payments. The death benefit will depend on the performance of the investment fund chosen by the policyholder, as well as the mortality and expense fees charged by the insurer. Premiums and the cash value account can be adjusted depending on the policyholder's needs. Additionally, policyholders can access the cash value without any tax consequence.
What are the main differences between universal life insurance quotes in East Point and whole life insurance?
In East Point, GA, the main differences between Universal and Whole Life Insurance are the way premiums are paid and the rate of return on the policy. Whole Life Insurance premiums are typically level, and the policy builds up a cash value that can earn a fixed rate of return. Universal Life Insurance premiums are adjustable, meaning that the policyholder can choose to pay more or less as their financial situation changes. The policyholder can also choose between different rate of returns, so there is more flexibility. Ultimately, it depends on your financial objectives and goals as to which policy is best suited for you.
Are there any riders or additional benefits I can add to my universal life insurance policy East Point?
Yes, you can add riders and additional benefits to your policy in East Point, GA. Riders allow you to customize your policy to meet your specific needs. Some common additional benefits that can be added include increased accidental death and dismemberment coverage, inflation protection, waiver of premium, and critical illness coverage. Speak to your insurance provider to determine what riders and additional benefits are available and can be added to your policy.
With universal life insurance near East Point, can I increase or decrease my premium amount after the policy starts?
Yes, you can increase or decrease your premium amount after the policy starts in East Point, GA. You should contact your insurance provider to discuss any changes. Depending on the policy type, you may be able to adjust the amount due and the frequency of payments. It is important to review the policy terms and conditions to ensure that potential changes comply with the provisions of the contract. You should also note that premium adjustments may be accompanied by changes in the coverage options included in the policy. If you have any further questions about changing your premium amount, please contact your insurance provider.
Are there any limits to the cash value growth in my universal life insurance quote East Point?
East Point has many programs and policies in place to ensure that individuals are able to accrue cash value growth in a secure and predictable way. These policies are in place to provide citizens with financial security and peace of mind. However, it's important to understand that there are limitations to the amount of cash value growth one can achieve. Depending on the type of account, government regulations, economic conditions, and other individual factors, one's growth may be limited to their specific circumstances. Therefore, it is important to research and plan well to ensure you utilize the best strategies for achieving maximum cash value growth.
The answer to the question of whether or not death benefits are taxable is yes, they are taxable in East Point, GA. Death benefits paid to the beneficiary of the deceased are considered income and are subject to taxation. However, any benefits paid directly to the estate of the deceased are not subject to taxation. It is important to keep in mind that rules and regulations surrounding the taxation of death benefits in East Point, GA may vary so it is best to seek advice from a qualified tax attorney or accountant to ensure full understanding of the laws and regulations.
How does a withdrawal affect my death benefit and universal life insurance policies near East Point?
Taking a withdrawal from a life insurance policy in East Point, GA can affect the death benefit in various ways. Generally, the more withdrawals you take out of your policy the lower the death benefit becomes. This is due to the fact that the insurer reduces the death benefit when the policy holder withdraws from the plan. Taking more withdrawals can also lower the policy's cash value. Additionally, some policies do not allow for additional withdrawals if the policy holder has reached the maximum amount as defined in the plan.
How long do I have to reinstate a lapsed universal life insurance in East Point?
In East Point, GA, the time frame for reinstating a lapsed policy will vary depending on the insurer. Some insurers offer a grace period of around 30 days. Others may have a limit of up to 60 days to reinstate the policy. If the time limit passes, then the policy may be canceled, meaning the customer must reapply for coverage and possibly pay additional fees to reinstate it. For the exact rules and deadlines associated with reinstating a lapsed policy in East Point, GA, customers should contact their insurer or review the relevant policy documents.
How do management fees affect my cash value growth with my East Point universal life insurance policy?
In East Point, GA, management fees can have an impact on your cash value growth. Generally, the higher the management fees, the lower the resulting rate of return to your pocketbook. This means that any funds not used for management fees are used to increase your cash value. As a result, having a low management fee is important to potentially maximize the return on your cash value growth. Additionally, there are other fees associated with investing, such as transaction fees, which can also have an effect on the overall return on your hard earned cash.
How can I change the beneficiaries on my policy with my East Point universal life insurance company?
To change the beneficiaries on your policy in East Point, GA, you'll need to contact your insurance provider directly. You'll need to provide the necessary documents and paperwork, and they'll help you to update the beneficiary information in the system. Depending on the policy type, some companies may require that you submit a request for a change in writing. Additionally, you may be required to submit a proof of identity or proof of relationship with each beneficiary.
Compare East Point, GA 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