Compare over 37 Universal Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Emeryville, CA 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 Emeryville, CA. 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 Emeryville, CA.
Frequent Questions...
Universal life insurance in Emeryville, CA works by having you pay a premium unto the policy, which is then placed into an account where that money accumulates before being used to pay out benefits when the policyholder dies. Instead of the earnings on the policy being fixed, like other types of life insurance, with universal life insurance they fluctuate with the market and can be stable or can accrue significant gains depending on the length of time the policy is held, and the market changes. This type of life insurance provides flexibility and the option to make adjustments to the policy throughout its duration.
How do universal life insurance quotes in Emeryville compare with term life insurance?
Universal Life Insurance is an increasingly popular coverage choice for Emeryville, CA residents due to its combination of cost savings and flexible policies. Compared to Term Life Insurance, it allows policyholders to save money by not paying premiums on expired terms and investing any additional funds into an additional savings vehicle. It also offers more flexibility by allowing policyholders to adjust their coverage amounts and payment plans to their exact insurance needs and budget. Furthermore, most Universal Life Insurance policies in Emeryville, CA come with a built-in savings vehicle, allowing policyholders to build their finances while simultaneously protecting their families financially.
Can I get a universal life insurance policy Emeryville if I have health issues?
Yes, you can still get a policy if you have health issues in Emeryville, CA. Local health insurance companies offer plans that do not require a medical exam and provide protections for pre-existing conditions. Plus, due to the California state mandate, all health insurance plans in the state must cover certain basic services like preventive care, ambulatory services, and prescription drugs. Reach out to health insurance providers in Emeryville to learn more about plans that could be a good fit for you.
With universal life insurance near Emeryville, are there any penalties for not paying premiums?
Yes, there are penalties for not paying premiums in Emeryville, CA. The state of California mandates that all individuals obtain health insurance or pay a penalty on their taxes. To avoid penalties for not paying premiums in Emeryville, enrollees need to pay their premiums in full and on time. If premiums aren't paid within 60 days, a state-mandated penalty tax could be applied. This penalty can be a fraction of the total penalty incurred for the tax year.
How often is interest credited to the cash value in my universal life insurance quote Emeryville?
Interest credited to the cash value in Emeryville, CA typically depends on the provider and the policy itself and can range from monthly to annually. Generally, the interest will be credited on an annual basis, however this could vary depending upon the arrangements with your policy provider and the specific product you choose. It is best to review any policy before purchase in order to fully understand the terms associated with the cash value, specifically the frequency at which interest will be credited.
Your beneficiaries in Emeryville, CA, can easily claim the death benefit with the right process. First, they need to acquire a certified death certificate from the funeral home or cemetery. Second, beneficiaries should review the beneficiaries' rights page of the insurer's website that will provide them with instructions to initiate the claim process and the necessary forms they have to fill out and submit. Third, they will be required to provide certain documents to prove their identity and relationship to the deceased.
What is the maximum amount I can borrow from universal life insurance policies near Emeryville?
The maximum amount you can borrow from your policy will depend on your specific policy and laws in Emeryville, CA. Generally, loan increments can range anywhere from $2,000 to the full cash value amount (minus existing loan amounts). Depending on your policy, you may have the option to request more funds. That being said, it is important to keep in mind that whatever amount you borrow will reduce your policy's cash value and death benefit. Therefore, we strongly recommend consulting with a financial advisor in Emeryville, CA to determine the best option for you.
Are there any penalties for surrendering the universal life insurance in Emeryville early?
Depending on the policy, there could be early surrender penalties for surrendering the policy early. In general, these penalties are slightly more significant in Emeryville, CA than in other places due to California laws. Prior to entering a contract, knowing the terms of any type of agreement is important, which includes the penalties associated with ending the agreement before it reaches its full term. It is wise to familiarize yourself with the charges and understand them before you enter a contract.
With the average Emeryville universal life insurance policy, are there any transaction fees?
Depending on the specific investment options you are considering in Emeryville, CA, there may be some transaction or administrative fees for making a change. It is important to read all applicable documentation and/or contact your broker or financial institution to understand and identify the associated fees prior to making any changes. Generally, these fees will vary from one provider to another, but could include a partial or full surrender charge, taxes, or an exchange fee. Additionally, there may be taxes associated with any earnings generated from the previous investments.
How can I change the beneficiaries on my policy with my Emeryville universal life insurance company?
In order to change the beneficiaries on your policy if you are in Emeryville, CA, you will need to provide the insurance company with a written request detailing the new beneficiaries and the change in distribution of benefits. In addition, you may need to provide proof of the identity of the new beneficiaries since they will have to meet certain legal requirements or state regulations. Documentation must be presented to the insurance company, so they can make the necessary changes to your policy. Once all documents have been received, the insurance company should be able to process the change in beneficiaries and notify you of the update.
Compare Emeryville, CA 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