Compare over 37 Universal Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Ferry Pass, 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 Ferry Pass, 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 Ferry Pass, FL.
Frequent Questions...
Yes, universal life insurance is considered a form of permanent insurance. Universal life policies offer built-in flexibility and access to cash value accumulation, making them ideal for residents of Ferry Pass, FL, who want to have a long-term insurance protection plan. These policies can provide a death benefit that is guaranteed to remain level, while premiums remain flexible and can be tailored to your unique needs and financial abilities. Additionally, universal life policies have built-in cash values that you can tap into if needed, making it an attractive option for those looking for permanent protection.
What are the potential risks associated with universal life insurance quotes in Ferry Pass?
In Ferry Pass, FL, universal life insurance may carry potential risks including the possibility of running out of money due to poor investment decisions, the selection of inadequate coverage, or insufficient contributions to the policy. Furthermore, the death benefit offered by the policy is dependent on the cash value, so if the cash value is insufficient, the death benefit may not be enough to meet your life insurance needs. It's important to thoroughly understand the potential risks of a universal life insurnace policy before making decisions about coverage.
Does the flexibility of a universal life insurance policy Ferry Pass benefit policyholders?
Universal life insurance offers policyholders in Ferry Pass, FL the flexibility of making adjustments to their policies based on their individual needs. Premiums, death benefits, and coverage can be adjusted depending on changing circumstances, allowing individuals to protect their loved ones while managing cash flows. This makes it possible to customize a policy that works best for individuals in the Sunshine State, allowing them to reevaluate and make adjustments as needed.
How is a premium calculated for universal life insurance near Ferry Pass?
The universal life insurance premium you receive in Ferry Pass, FL is determined by numerous factors, including the type of policy you have, the age of the insured, and the duration of the policy. Your current health, occupation, and lifestyle are also important considerations. The life insurance company will look at your individual risk profile to determine the premium you should pay. Additionally, there are dozens of optional features and riders you can choose to add to your universal life insurance policy, each of which could affect your rates.
How often is interest credited to the cash value in my universal life insurance quote Ferry Pass?
Interest is credited to the cash value in Ferry Pass, FL on an annual basis, allowing customers to maximize their accounts. Every 12 months, the interest it has earned will be credited directly to the cash value of the policy. The amount you receive will depend on the interest rate associated with your product as well as the policy features that you have selected, such as any riders or benefits. Interest is credited to the cash value on the policy anniversary, which also determines when the policy is renewed each year.
In Ferry Pass, FL, insurance companies may provide policyholders with the opportunity to increase their death benefit later in the policy's life. It is important to speak with your insurance agent to determine if an increase in coverage is possible and to find out what steps you need to take in order to do so. Generally, the requested increase may be subject to medical underwriting. Your insurer may require that you provide evidence of good health for the requested increase in coverage to be approved. Additionally, it is important to note that increasing the death benefit may also mean an increase in the premium payments.
How does a withdrawal affect my death benefit and universal life insurance policies near Ferry Pass?
If you are a Ferry Pass resident who wishes to take a withdrawal from your policy, it may reduce the death benefit you receive at the time of your passing. Depending on the policy and the amount withdrawn from your death benefit, there can be up to a 20 percent penalty, resulting in reducing the amount of money your beneficiaries may receive. With this in mind, make sure to consider your options carefully to see if the withdrawal you are considering taking is worthwhile and does not put an undue burden on your beneficiaries in the future.
How is the surrender value calculated with my universal life insurance in Ferry Pass?
In Ferry Pass, FL, the surrender value on a life insurance policy is calculated by subtracting any outstanding loans or premiums owed from the cash surrender value of the policy. The cash surrender value will track the level of the policy’s premium payments and any adjustments made due to additions from portfolio performance or other factors. Contingent on the type of policy, the insurer may also consider the policyholder’s age, health and other factors in calculating the amount.
How do management fees affect my cash value growth with my Ferry Pass universal life insurance policy?
Management fees for residents of Ferry Pass, FL can have a significant effect on the growth of their cash value. Depending on the scope of the services included and the size of the fee, these fees can either help or hinder your growth. The fees will generally come out of your total value, so paying a higher management fee can mean the overall growth of your cash value may be slower than if you paid a lower fee. Because of this, it is important to carefully evaluate the fee structure before engaging in any financial management service.
How can I change the beneficiaries on my policy with my Ferry Pass universal life insurance company?
To change the beneficiaries on your policy in Ferry Pass, Florida, you will need to contact your insurance agent or provider. They can help walk you through the necessary steps and ensure that all paperwork is completed correctly. In some cases, a combination of documents, including a death certificate, will need to be provided. After all documents are collected and any fees paid, the insurance company will update your policy paperwork noting the new beneficiaries.
Compare Ferry Pass, 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