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Compare over 37 Universal Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Evans, CO Universal Life Insurance policy providers in as little as 15 minutes. Save time. Save big. Get started now.
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Over 37 policy provider comparison.
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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
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Step 2
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Step 3
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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 Evans, CO. 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.
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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
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 Evans, CO.
Frequent Questions...
Universal Life Insurance in Evans, CO is designed to be a lifetime policy, so it lasts throughout your lifetime as long as the premiums are paid. Premiums can be extended for longer by a variety of methods such as borrowing against the policy, using a life insurance loan, and setting up a policy to pay for premiums. The policy may be designed to allow you to build more coverage as your family situation or financial situation changes, so you can choose the coverage to best meet your needs and last as long as you need it to.
For whom are universal life insurance quotes in Evans most suitable?
Universal life insurance is most suitable for individuals and families in Evans, CO looking for more flexible insurance coverage that builds cash value over time. This type of insurance option is particularly beneficial for those with changing needs and varying budgets due to non-guaranteed premium rates and the ability to borrow against or withdraw cash value in the policy. A universal life insurance policy also offers death protection, potential tax benefits, and the ability to adjust the coverage amount over time to meet the needs of the policyholder.
Can I get a universal life insurance policy Evans if I have health issues?
Absolutely. If you live in or around Evans, CO, you can get a policy through our office. Our insurance agents specialize in finding the right plan for your unique health needs. Customize your plan with the benefits that best suit your lifestyle, from coverage for specific illnesses to access to specialists, prescriptions, preventive care, and more. Our team is also available to answer your questions and help you understand how your policy works. Call us today to get started.
What are the consequences of late premium payments and universal life insurance near Evans?
Late premium payments in Evans, CO can lead to the cancellation of your policy or loss of coverage in some cases. Not only could this cost you money, but it could also lead to a lapse in coverage if you are unable to pay the premium on time. This could leave you vulnerable to potential financial liabilities such as medical bills and legal fees, should an accident or breach of contract occur and the incident is not covered by your policy. By keeping up with your monthly payments, you can ensure that your policy remains in effect and you are protected against potential liabilities.
How often is interest credited to the cash value in my universal life insurance quote Evans?
In Evans, CO, interest is credited to the cash value of an insurance policy annually. Depending on your individual policy, you may be able to have the interest credited more than once a year if you choose the appropriate option. The frequency at which interest is credited can depend on the policy or be determined when the policy is issued, so it's important to check with your insurance provider to verify when you can expect interest to be credited.
In Evans, CO the process for beneficiaries to claim the death benefit is largely the same as it is throughout the nation. The first step is for the beneficiary to file a death certificate with the life annuity company that was responsible for the annuity policy that had the benefit designated. Then the annuity company will require proof of identity for the beneficiary to claim the death benefit. The beneficiary will then be issued a check for the amount of the death benefit and a 1099 or a 1099-R for tax purposes.
How do I take a loan against universal life insurance policies near Evans?
If you are looking to take out a loan against your policy in Evans, CO, the best option is to contact a local insurance agency. With their help, you will be able to review your policy and learn about the options available so you can determine the best course of action. Many insurance policies come with loan options built in that serve as a source of extra funds when needed. By talking to the experts, you can determine if taking out a loan against your policy is the right decision to meet your current financial needs.
How is the surrender value calculated with my universal life insurance in Evans?
The surrender value of a life insurance policy in Evans, Colorado is calculated using the sum of the guaranteed cash value and an applicable dividends. There are factors that may contribute to the amount of the surrender value including the premium loadings, the age of the policyholder, the type of policy held, the amount of the premiums paid, and the length of time the policy has been in force. In general, policies that are more recent have higher surrender values but this is not always the case.
Are there penalties for excessive withdrawals from my Evans universal life insurance policy?
Yes, depending on your financial institution, there may be certain penalties for excessive withdrawals from your account here in Evans, CO. Be sure to check with your local financial institution to understand their policies surrounding excessive withdrawals as each will be different and you'll want to make sure you are aware of any potential fees. Many banks will consider excessive withdrawals to be 3 or more transactions in a single month, though this number may vary depending on your institution. Additionally, many ATMs and banks will have limits on the amount of daily withdrawals allowed.
Is it possible to merge or split a universal life insurance policy with the average Evans universal life insurance company?
Yes, it is possible to merge or split a universal life insurance policy in Evans, Colorado. The process of alteration will depend on the type of life insurance policy you hold and the insurer you have your policy with. Primarily, any changes would require consultation with your current insurance provider regarding the policy structure and premiums. Professional advice can also be obtained from an independent insurance agent in Evans, Colorado, who specializes in life insurance policies. In any case, the splitting or merging of a life insurance policy in Evans requires that appropriate changes to the policy be made and the new premiums be be calculated accordingly.
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