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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 Graham, NC Universal Life Insurance policy providers in as little as 15 minutes. Save time. Save big. Get started now.
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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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"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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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 Graham, NC.
Frequent Questions...
Yes, universal life insurance is considered permanent insurance and can be a perfect option for Graham, NC residents seeking long-term life insurance coverage. This type of policy allows you to both accrue cash value and benefit from a death benefit regardless of how long you have the policy. Additionally, universal life insurance can be customized to fit your own particular needs in terms of premium payments, policy length, and value. Furthermore, compared to other types of life insurance, premiums for universal life policies are typically lower and more renewable.
What are the main differences between universal life insurance quotes in Graham and whole life insurance?
The primary differences between universal and whole life insurance can be broken down into three categories for Graham, NC residents: bundling opportunities, policy flexibility, and long-term investment/savings options. Universal life insurance allows for insurance coverage to be bundled with other types of coverage: long-term disability, critical illness, and other add-ons. Whole life policies provide policyholders with more flexibility and control over their coverage, allowing them to determine how much they pay in premiums and when those payments are made.
Does the flexibility of a universal life insurance policy Graham benefit policyholders?
Universal life insurance offers policyholders in Graham, NC flexibility that can provide personal financial flexibility by deploying funds into investment accounts or utilizing a low-cost loan option. With universal life insurance, policyholders can modify or adjust their coverage amount, death benefit, and premium payments within certain parameters. This allows policyholders to adjust their financial planning and make the most of their policy while providing financial security and peace of mind for themselves and their family.
Can I alter the frequency of my premium payments with universal life insurance near Graham?
Graham, NC offers options to alter the frequency of premium payments. Depending on your individual insurance carrier, you could choose from a variety of payment options, including bi-monthly, quarterly, semi-annually, or annually. If you would like to adjust your premium payment schedule, contact your insurance agent in Graham directly to find out more details and learn which payment options are available. With the right policy, you can customize your premium payments to fit your individual budget and lifestyle needs.
When I get a universal life insurance quote Graham, how is the interest on the cash value determined?
The interest rate for a cash value policy in Graham, NC is dependent on the advice and service of an experienced financial adviser in the area. The adviser will be able to recommend a policy tailored to the particular needs and goals of the policyholder. After consideration of the policyholder’s income, tax bracket, and other financial circumstances, the adviser can provide quotes from the insurance companies on a range of competitively-priced, secure interest rate programs.
Graham, NC offers extensive support for beneficiaries of life insurance policies who are looking to make a claim on the death benefits available. The process begins with the beneficiary getting in touch with the insurance company to initiate a claim. The company will provide the beneficiary with the necessary forms which need to be filled out and submitted along with a copy of the deceased's death certificate. Then, the insurance company will review the claim and all of the required documents and determine whether it is valid and whether the beneficiary is entitled to the death benefits.
Can I repay a loan with the cash value from universal life insurance policies near Graham?
Graham, NC is home to many high-quality insurance and loan departments to help residents with their unique financial needs. Although it's possible to extend a loan repayment through cash value from a policy, it's important to remember that loans and insurance policies are two very different items. Before using the cash value to repay a loan, it's recommended to check with a qualified financial services representative to ensure that your choice is best for your individual situation.
How is the surrender value calculated with my universal life insurance in Graham?
The surrender value for insurance policies in Graham, NC is determined based on a variety of factors unique to the policyholder and their current situation. These factors include type of policy, policy term, age, and any surrender fees or charges that may be incurred. Additionally, the value of any applicable rider options may also be considered. Furthermore, if the policyholder has chosen to pay into the policy using indexed premiums, the interest the policy has earned must also be taken into account.
Are there penalties for excessive withdrawals from my Graham universal life insurance policy?
Graham, NC is subject to the same federal regulations as other banks related to excessive withdrawals. Per Federal Regulation D, banks are only permitted to make six limited withdrawals per savings or money market account in a given month without penalty. For every withdrawal beyond six, an excessive withdrawal penalty of $10 per withdrawal may be charged by the bank. Individuals should be aware of what constitutes an excessive withdrawal and take steps to avoid such incidences.
Is it possible to merge or split a universal life insurance policy with the average Graham universal life insurance company?
Yes, in Graham, NC, it is possible to merge or split a universal life insurance policy. A policyholder may need to split a policy in order to meet the specific requirements of another person or need to ‘add’ an individual to the policy. Merging policies allows two policies or more to combine into one policy. An advisor at an insurance agency in Graham, NC can provide more information about how to merge or split a universal life insurance policy. It is important to remember that the cash value of any policies being merged may need to meet specific requirements, before a merger is allowed.
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