Compare over 37 Universal Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Jensen Beach, 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 Jensen Beach, 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 Jensen Beach, FL.
Frequent Questions...
Universal life insurance, also known as adjustable or flexible life insurance, is an excellent option for residents of Jensen Beach, FL who want permanent life insurance protection combined with flexible cash value accumulation and an opportunity to invest in the current favorable market. Universal life provides permanent life insurance protection that can last for a lifetime as long as premium payments are maintained. With this type of policy, policyholders have the ability to choose the death benefit amount and tax-deferred cash accumulation to meet their unique needs and goals.
For whom are universal life insurance quotes in Jensen Beach most suitable?
Universal life insurance is most suitable for individuals who reside in Jensen Beach, FL and seek a flexible combination of flexible money options, long-term protection, and the potential to earn tax-sheltered cash value. Universal life insurance is a type of permanent insurance policy that features a cash savings account and adjustable premiums, meaning individuals in Jensen Beach, FL can pay their insurance premiums as frequently as they wish and are able to vary the amount they pay, according to their budget.
How can the cash value in my universal life insurance policy Jensen Beach grow over time?
One of the benefits of living in Jensen Beach, FL is the variety of local options for growing your policy's cash value over time. With Florida's strategic tax laws, you can select and leverage the right specific investment vehicles, products, and strategies according to your individual risk tolerance, time horizon, and goals. Depending on your goals and needs, financial advisors in Jensen Beach work with families to customize investments and strategies to help your cash value compound over time, which can provide long-term value and create a more secure financial future.
With universal life insurance near Jensen Beach, are there any penalties for not paying premiums?
Yes, in Jensen Beach, FL non-payment of premiums can result in penalties. Depending on the insurer, such penalties may include service suspension, increased premiums or late fees. Non-payment of premiums may also lead to a lapse in coverage. During a lapse in coverage, the policyholder would not be covered by a health insurance policy, leaving them financially vulnerable in the event of any medical emergencies. It is essential that policyholders make a concerted effort to pay their premiums in full and on-time.
How often is interest credited to the cash value in my universal life insurance quote Jensen Beach?
Interest may be credited to the cash value of a policy in Jensen Beach, FL at different intervals, such as monthly, quarterly, semi-annually, or annually, depending on how the policy is set up and what the insurance company offers. Generally, the more frequently interest is credited, the more opportunity for interest to accumulate on the policy. Ask your insurance company representative for details on the specific policy you are interested in and how often it may credit interest to the cash value.
According to the Internal Revenue Service (IRS) regulations, death benefits received from a life insurance policy in Jensen Beach, FL may be exempt from taxation. Furthermore, funds received from other sources such as IRAs, annuities, and Social Security survivor benefits are also usually not taxable either. In this case, it's always best to speak to a local tax expert or financial advisor to ensure you understand the tax implications of any death benefits you receive in order to avoid underpaying taxes or facing any legal or financial ramifications.
How does a withdrawal affect my death benefit and universal life insurance policies near Jensen Beach?
Taking a withdrawal from your policy in Jensen Beach, FL could reduce the death benefit you receive from your life insurance policy. Depending on the type of policy you have, the amount of withdrawal taken and when the withdrawal is taken all factor into lowering your death benefit as a whole. The best advice is to always consult with your insurance agent in Jensen Beach before taking any withdrawals to ensure you understand the impact it can have on your death benefit and overall financial security.
Are there any penalties for surrendering the universal life insurance in Jensen Beach early?
Yes, there may be penalties for surrendering a policy early in Jensen Beach, FL. Depending on the type of policy and the insurance company, surrendering a policy earlier than the specified term could result in charges such as surrender fees and interest. Additionally, in the case of a life insurance policy, policyholders may not receive the full amount of coverage they had been entitled to had they kept the policy in full effect. As such, it may be wiser to look into the potential penalties before canceling the policy in order to fully consider the implications of such a decision.
How often will I be charged fees for my Jensen Beach universal life insurance policy?
Fees associated with services in Jensen Beach, FL depend on the particular service. Generally, fees are charged on a monthly basis, though less frequent intervals may also be available. For more information about billing frequencies, contact the service provider directly to discuss the specific details of your situation.
Is it possible to merge or split a universal life insurance policy with the average Jensen Beach universal life insurance company?
Yes, it is possible to merge or split a universal life insurance policy in Jensen Beach, FL. This allows the insured to customize existing coverage or for family members to create their own life insurance policies. All changes to a life insurance policy must be positively accepted by the insurance company before being officially approved. An experienced insurance agent can provide guidance and help customers make informed decisions that best fit their individual needs and provide them the best financial protection in the Jensen Beach area.
Compare Jensen Beach, 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