Compare over 37 Universal Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Florida Ridge, 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 Florida Ridge, 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 Florida Ridge, FL.
Frequent Questions...
Universal life insurance is designed to provide financial security to your loved ones and last throughout your lifetime. In Florida Ridge, FL, most universal life policies allow you to continue your coverage until age 95, ensuring your beneficiaries the death benefit even after you are gone. Some providers may even offer policies with extended lifetime coverage, so it is important to read your policy's fine print and speak to your life insurance agent to confirm your own policy's term length.
How do universal life insurance quotes in Florida Ridge compare with term life insurance?
Universal life insurance in Florida Ridge, FL can provide policyholders with a long-term's worth of coverage, while term life insurance is more of a short-term solution. Universal life insurance generally comes with a cash account, meaning that policyholders can access the unused portion of their premiums. Term life insurance typically comes with lower premiums, while universal life insurance premiums are usually more costly but remain constant throughout the policy lifetime. Also, universal life insurance offers policyholders more flexibility in that they can adjust their coverage amount and premiums if their needs or budget change over time.
How can the cash value in my universal life insurance policy Florida Ridge grow over time?
The cash value of a policy in Florida Ridge, FL can grow over time by taking advantage of a number of available features, such as our guaranteed cash values, generous dividends, and our signature combination of solid interest rate and stability. You also have the chance to benefit from the annual non-guaranteed additions which can help increase the growth of cash value. By properly managing your policy, you may be able to increase and earn a larger cash value balance. Furthermore, you may also enjoy tax advantages depending on the type of policy you own.
What are the consequences of late premium payments and universal life insurance near Florida Ridge?
In Florida Ridge, FL, the consequence of making late premium payments is the potential of losing your health insurance coverage. Depending on the insurance carrier's policy, late payments may trigger a termination of your policy or make you ineligible for certain benefits, such as receiving health care at a lower cost or favorable access to doctors. You could also be subject to fines and late fees, which can increase your overall cost of health care. Additionally, your premiums could be increased, making it harder for you to keep up with future payments.
How often is interest credited to the cash value in my universal life insurance quote Florida Ridge?
At Florida Ridge, FL, interest is credited to the cash value of accounts annually. Generally, the credit is applied in late December each year, but this may vary based on your individual account and provider. To get a better understanding of when interest is credited to your cash value, you may want to reach out to your insurance provider for more information.
Yes, you can increase the death benefit later in the policy's life. At Florida Ridge, FL, you can make changes to your policy that will increase the death benefit coverage. This can be done through an increase of the premium payment amount or by taking out a new policy with a higher death benefit level. To ensure that the changes are properly made, it is recommended that you contact your insurance provider to discuss with them your options for increasing the death benefit later in the policy's life.
Can I repay a loan with the cash value from universal life insurance policies near Florida Ridge?
It is possible to repay a loan with the cash value of a policy in Florida Ridge, FL. Your insurance company can provide more information about how this type of loan repayment works. It is important to understand that any repayment from the cash value of the policy will reduce the death benefit amount. Additionally, depending on the type of loan taken, you may have to pay additional fees and taxes. It is important to speak with a qualified insurance professional to understand the repurchase costs and the impact that repurchasing a policy can have on your finances and insurance needs.
How is the surrender value calculated with my universal life insurance in Florida Ridge?
In Florida Ridge, FL, the surrender value of most life insurance policies is calculated based on the policy's cash value, which is the current amount of money that the policyholder has paid into it plus any applicable dividends or interest payments, minus any applicable costs. In addition, some policies may have a surrender charge or other applicable deduction that might have to be taken into consideration. Generally, the surrender value will be higher the longer the policy has been in force because of the effect of the accumulation of cash value.
How do management fees affect my cash value growth with my Florida Ridge universal life insurance policy?
Management fees in Florida Ridge, FL can potentially have a slight effect on the growth of your cash value, but usually the impact is relatively minor. The fees may cover costs such as the maintenance of financial records, paperwork, professional investment and legal advice, insurance coverage reviews, and investment program design. Though it may be less expensive in the short term to try to do all of these tasks yourself, it could be more costly in the long run because of the expertise and guidance of a financial professional that you would be missing out on.
Is it possible to merge or split a universal life insurance policy with the average Florida Ridge universal life insurance company?
In Florida Ridge, FL, it is possible to merge or split a universal life insurance policy; however, the specifics of this process depend on a variety of factors, such as the type of policy you have, other existing policies, the policy amount, and the current market situation. Furthermore, the process can become even more complicated when dealing with multiple policies. Speak to your local insurance broker to find out if merging/splitting your insurance policies is the right decision for your individual coverage needs.
Compare Florida Ridge, 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