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With PolicyHub you get to compare over 37 Greenville, SC 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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With PolicyHub getting started is easy. Compare all the Universal Life Insurance rates from all the providers in Greenville, SC. 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 Greenville, SC.
Frequent Questions...
Universal life insurance policies are designed with your family in mind. In Greenville, SC, universal life insurance allows you to customize your coverage throughout your life, as your circumstances change. You will be able to adjust how much coverage you have, when and how much you pay for the policy, and how your money is invested. Additionally, universal life insurance policies have built-in features that allow you to accumulate cash values that can be used as a loan or withdrawn for retirement. Your premiums never increase and the death benefit is guaranteed.
What are the main differences between universal life insurance quotes in Greenville and whole life insurance?
The main differences between universal and whole life insurance options in Greenville, SC are in the premiums, flexibility, and benefits. Universal life insurance is a form of cash value life insurance with flexible premiums, the ability to increase coverage after its purchase, and limited options for changing the policy, whereas whole life insurance is a form of life insurance that provides lifelong coverage and coverage amounts remain fixed. Whole life also has fixed premiums and allows for various investment options, while universal life has larger premiums and does not offer the same investment options.
Are there any riders or additional benefits I can add to my universal life insurance policy Greenville?
Yes, you can consider adding riders or additional benefits to your policy if you live in Greenville, SC. Many insurance companies in Greenville offer a variety of optional add-ons that can be customized to your specific needs. It may be beneficial to add s homeowners policy riders such as Extended Replacement Cost Endorsements (ERCE) or Valuable ArticlesFloater (VAF) . ERCE policies will provide coverage if your property is destroyed beyond repair. VAF policies can provide coverage for expensive items such as jewelry or gun collections.
How is a premium calculated for universal life insurance near Greenville?
Your universal life insurance premium is calculated based on various factors and can differ from person to person and policy to policy. In Greenville, SC, your age, health, profession, and overall risk factor are taken into consideration. Additionally, variables such as the type of coverage, cost of living, policy duration, and beneficiary information are also taken into account when figuring out the premium. Ultimately, the insurance provider will take all the information and create an individual premium rate that suits your specific needs.
When I get a universal life insurance quote Greenville, how is the interest on the cash value determined?
In Greenville, South Carolina, the interest on the cash value of a policy is determined by the type of policy purchased, the provider, and the prevailing market interest rates. The premium paid and the duration of the policy are factors used to ensure the cash value remains competitive. Additionally, any applicable riders, such as disability or accident insulation, may change the terms of the agreement and an overall assessment will be made between the policyholder and the provider to determine the interest rate and value of the policy.
Yes, you may be able to have multiple beneficiaries for your policy in Greenville, SC. Some insurance companies allow for multiple beneficiaries to be listed, either as joint primary beneficiaries, multiple primary beneficiaries, contingent beneficiaries, or some combination thereof. Each company is different, however, so it is important to check the policy details for the company that you are considering. Insurance policies can also be amended, so if initially only one beneficiary is listed, additional beneficiaries can be added to the policy at a later date.
Are there any fees associated with taking a loan against universal life insurance policies near Greenville?
Yes, there are typically fees associated with taking out a loan. In Greenville, SC, individuals are responsible for any existing administrative fee, loan origination fee, appraisal fee, loan processing fee, and/or attorney's title fee. Furthermore, home equity loans may incur additional fees, such as points, closing costs, and other charges. Generally speaking, these fees are imposed as a percentage of the total loan amount and must be taken into consideration when budgeting for the loan.
How long do I have to reinstate a lapsed universal life insurance in Greenville?
In general, Greenville, SC policyholders have thirty days to reinstate a lapsed policy. After the thirty days have passed, the policyholder must go through the standard underwriting process to reapply and be approved for a new policy. It is important to be aware of the reinstatement deadlines to avoid facing a lapse in coverage or having to reapply for a new policy.
Are there penalties for excessive withdrawals from my Greenville universal life insurance policy?
In Greenville, SC, banks and financial institutions may charge a fee for more frequent withdrawals than are allowed under the given policy for the account. Generally, this fee is incurred when large amounts are withdrawn over a short time period. For savings accounts, the federal government has set a limit of six withdrawals or transfers each month before a fee is incurred. Depending on the bank or financial institution, exceeding the limit may result in fees of $4 or more per withdrawal for customers. Customers should check with their bank or financial institution to confirm any penalties that could apply.
How can I change the beneficiaries on my policy with my Greenville universal life insurance company?
To change the beneficiaries on your policy in Greenville, South Carolina, you will need to contact your insurance provider and fill out their beneficiary designation form. This form will let you make changes to the beneficiaries on your policy and submit the changes for approval. Alternatively, if you prefer, you can contact a local office or agent to help you with this process. They can provide advice on how to make changes and ensure that the changes are made legally and reflected accurately in the policy.
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