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With PolicyHub you get to compare over 37 Florissant, MO Universal Life Insurance policy providers in as little as 15 minutes. Save time. Save big. Get started now.
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"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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"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 Florissant, MO. 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 Florissant, MO.
Frequent Questions...
Universal life insurance is a type of life insurance policy that offers flexible premiums and a range of death benefit amounts and is designed to be a permanent life insurance solution. Universal life insurance can be beneficial to many Florissant, MO residents due to its flexibility and tailored features for anyone looking for a long-term life insurance policy. With universal life insurance, policyholders can choose to increase or decrease premiums over the life of the policy, and they have the ability to make withdrawals or loans against the cash value, depending on the policy.
What are the main differences between universal life insurance quotes in Florissant and whole life insurance?
One of the main differences between universal and whole life insurance in Florissant, MO is the amount of flexibility they offer. Universal life insurance typically has flexible premium payments and adjustable death benefit levels, whereas whole life insurance offers consistent premiums and a fixed death benefit. Additionally, universal life insurance also offers the potential to accumulate cash value that can be used in the future, whereas whole life insurance offers a guaranteed cash value and the potential to borrow funds against it in an emergency.
Can I get a universal life insurance policy Florissant if I have health issues?
Yes, you can get a policy in Florissant, MO, even if you have health issues. Our agents are experienced in helping people with pre-existing conditions secure the coverage they need. Whether you’re looking for an individual, family, or group plan, we can help find the right balance of coverage for your budget and health needs. Our policy choices are tailored to meet the unique needs of Florissant residents providing supplemental health coverage or comprehensive coverage.
With universal life insurance near Florissant, are there any penalties for not paying premiums?
Yes, there are potential penalties for not paying premiums in Florissant, MO. Depending on the policy in place, a policyholder could be faced with an added premium surcharge, cancellation of their policy, or an increase of future premiums due to a lapse in coverage. In addition, depending on the policy’s area of coverage, neglecting to pay for or renew the premium on time could also result in a loss of protection for a number of days which may have a serious impact on any potential claims that may come up during that lapse in coverage.
How often is interest credited to the cash value in my universal life insurance quote Florissant?
Interest for the cash value of life insurance policies in Florissant, MO is usually credited to the policy on an annual basis. Generally speaking, this means that the interest rate of the policy is guaranteed for a period of 12 months, and then it is adjusted accordingly. The interest rate can be adjusted monthly, bi-annually, or annually, depending on the insurance policy being held. It is important to read and understand the exact interest rate and terms as each policy can be slightly different.
In Florissant, MO, the process for a beneficiary to claim a death benefit consists of the beneficiary submitting an official and completed claim form to the insurance company. The form requires the beneficiary's name, address, birthdate, Social Security number, and other information about the policyholder and policy. The insurance company may also require that the beneficiary provide a copy of the policyholder’s death certificate. Once the form and information have been provided, the insurance company will investigate the claim to determine eligibility.
Are there any fees associated with taking a loan against universal life insurance policies near Florissant?
Yes, some fees may be associated with taking a loan in Florissant, MO. For example, if you obtain a cash advance loan, you may be responsible for paying a finance charge. Other fees may include late fees for unpaid payments on loans, administrative fees for preparing paperwork, or origination fees for processing a loan. Additionally, if you are not in a position to repay the loan, you may be subject to additional charges. The best way to know for sure what fees may be associated with taking a loan is to review the terms and conditions of your loan agreement carefully before signing it.
How is the surrender value calculated with my universal life insurance in Florissant?
The surrender value of a policy in Florissant, MO is calculated based on the performance of the underlying assets in addition to the terms of the policy agreement. The age and health of the policyholder, the premium payment schedule, the amount of coverage, and other factors are all taken into consideration when determining the surrender value. Furthermore, the length of time that the policy has been in effect also plays a major role in this calculation. Ultimately, the surrender value is an amount that is agreed to between the policyholder and the insurance company in order to acquire the remaining funds of a policy.
With the average Florissant universal life insurance policy, are there any transaction fees?
When making changes to your investment options in Florissant, MO, there are no transaction fees as long as you are operating within the same platform. If you need to move funds to a different investment provider, you may incur a fee depending on the firm. However, many financial institutions in Florissant, MO provide individualized advice and guidance to help you decide which option is best for you, without incurring any additional costs.
Is it possible to change my premium payment schedule with my Florissant universal life insurance company?
Yes, it is possible to change your premium payment schedule in Florissant, MO. You can contact your insurance company or visit their website to find information about premium payment changes or to submit a payment change request. Make sure to provide all required documentation and provide any requested additional information. Note that requests for premium payment changes may take several weeks to be processed or may not be accepted, depending on your particular circumstances. Be sure to read your insurance policy in full to see if a payment schedule adjustment is permitted.
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