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With PolicyHub you get to compare over 37 Jacksonville, FL 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 Jacksonville, 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.
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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 Jacksonville, FL.
Frequent Questions...
Universal life insurance in Jacksonville, FL offers life-long protection with flexible premiums and death benefits. Unlike traditional life insurance policies, you can adjust your premium payments and death benefit levels through your policy. Additionally, universal policies have a cash value component, which is invested and accumulates over time. This cash value can be used as emergency funds or to pay for the policy's premiums should the insured run into financial difficulty. With universal life insurance, the insured can create a plan to secure their finances and protect their loved ones indefinitely.
How do universal life insurance quotes in Jacksonville compare with term life insurance?
In Jacksonville, FL, universal life insurance provides much more flexibility than term life insurance. Unlike term life insurance, universal life insurance allows policyholders to make changes to the face amount, premium, payment type, and policy duration throughout the life of the policy. It also provides an investment component with the potential for tax-deferred cash to accumulate and can be accessed through loans or withdrawals. As a result, universal life policies can provide more options in both the short and long term.
Are there any riders or additional benefits I can add to my universal life insurance policy Jacksonville?
Yes! There are numerous riders and additional benefits specific to Jacksonville, FL that you may add to your policy. For example, if you are a resident of the Atlantic Coast, you may wish to add a rider for wind coverage. If you own a business, you can add a rider that will cover any business interruption losses. And if you are a motorist, you may opt to add a rider that covers any liability for accidents or bodily injury resulting from the use of your vehicle.
With universal life insurance near Jacksonville, are there any penalties for not paying premiums?
Penalties for not paying premiums in Jacksonville, FL can vary depending on the insurance policy in question. Generally, failing to make an insurance payment when due can result in the policy being cancelled or lapsed, leaving the policyholder without coverage if they experience a loss. Policyholders can also be unable to reinstate the policy and risk receiving a higher premium when they seek to purchase a new policy. Moreover, in some cases, late payments can result in a penalty fee being added to the outstanding balance.
What investment options are available for the cash value component after my universal life insurance quote Jacksonville?
In Jacksonville, FL, investors have several options when it comes to the cash value component of investments. Among the most popular are stocks, bonds, mutual funds, and real estate. Investing in stocks means buying ownership in a company, with the hope of earning a return from either increased share price or dividends paid to shareholders. Bonds represent an obligation to repay debt with interest. Mutual funds are professionally managed investment portfolios that stock, bond, and other investments. Investing in real estate can bring returns in the form of rental income, appreciation, and tax benefits.
The death benefit of your policy in Jacksonville, FL is determined by a number of factors, including your age, the amount of your premiums, and the terms and conditions of the plan. Generally speaking, the greater the premiums you have paid and the longer you have been enrolled in the policy, the greater the death benefit. It is also important to note that many life insurance policies offer additional features, such as accelerated death benefits or accidental death benefits, as well as additional riders that you can add for further protection, such as guaranteed insurability or waiver of premium.
Are there any fees associated with taking a loan against universal life insurance policies near Jacksonville?
In Jacksonville, FL, there may be fees associated with taking a loan. Depending on the lender and loan, you may be required to pay an origination fee, processing fee, document fee, application fee, and/or closing fee. In many cases, the fees may be rolled into the loan amount or negotiated between the lender and borrower, but it's important to make sure that you're aware of any charges before signing a loan agreement. It's important to compare offers from multiple lenders as you may find difference in fees charged and the rate of interest.
How long do I have to reinstate a lapsed universal life insurance in Jacksonville?
In Jacksonville, FL, you have up to 90 days from the date of policy lapse to reinstate your policy. An additional monthly fee might be charged for the extra coverage once the policy is reinstated, depending on your policy provider. If you choose not to reinstate the policy within the 90-day window, you will be required to apply for a brand new policy. In this case, you may be subject to additional fees or changes in coverage. Therefore, it is important to be aware of the lapsed policy deadline and your options for reinstatement.
Are there penalties for excessive withdrawals from my Jacksonville universal life insurance policy?
In Jacksonville, Florida, there may be penalties for excessive withdrawals, depending on what type of account your funds are being withdrawn from. If you're withdrawing from a checking or savings account, your financial institution may implement policies to limit the number of withdrawals you can make in a certain period of time and assess fees if that limit is exceeded. Other accounts such as money market accounts or certificates of deposit will likely also have rules regarding the number of withdrawals allowed when the funds are still subject to certain conditions, and if those conditions are broken, the financial institution can impose penalties.
How can I change the beneficiaries on my policy with my Jacksonville universal life insurance company?
In Jacksonville, FL, you can change your policy's beneficiaries by meeting with your insurance agent. In person, you can complete and submit any necessary paperwork, and they will process the change within a reasonable amount of time to ensure all documents are correctly executed. Your agent can also provide you with resources to guide you through the process, and ensure that you are selecting the right beneficiaries for your policy.
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