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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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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 Kearns, UT.
Frequent Questions...
Universal life insurance is a type of permanent insurance policy that is enottyed by residents of Kearns, UT. It typically offers greater flexibility than traditional whole life insurance, including the ability to customize the amount and timing of payments, as well as access to funds via policy loans or withdrawals. Universal life also provides flexible death benefits that can be adjusted over time and an investment vehicle that allows you to invest your funds in markets such as equity, fixed income, and other options.
What are the main differences between universal life insurance quotes in Kearns and whole life insurance?
Universal life insurance and whole life insurance are two popular types of life insurance policies available to residents of Kearns, UT. The major difference between the two is that universal life insurance is more flexible and offers adjustable premiums and death benefits while whole life insurance offers guaranteed death benefit amounts, guaranteed premiums, and an investment component. Universal life insurance is often cheaper and provides policyholders with options to use the cash value for loans or withdrawals; however, whole life insurance gives policyholders higher guaranteed death benefit amounts along with access to dividends and other investment gains.
Are there any riders or additional benefits I can add to my universal life insurance policy Kearns?
Yes, there are riders and additional benefits that can be added to your policy. In Kearns, UT, you are able to add additional protection to your policy such as term life insurance, disability insurance, and accidental death and dismemberment insurance. Along with these protections, policyholders in Kearns are also able to enjoy hospital indemnity and critical illness benefits that can provide financial assistance for out-of-pocket medical expenses as well as living costs.
With universal life insurance near Kearns, can I increase or decrease my premium amount after the policy starts?
Yes, you may be able to adjust your premium amount after your policy has started, depending on where you are located in Kearns, UT. Your agent can help you determine if changes are possible and explain how they will affect your policy. Usually, decreasing the premium often results in lower coverage and increasing the premium typically provides higher coverage. Depending on the changes you wish to make, you may also be required to provide additional documents or submit to another underwriting process.
What investment options are available for the cash value component after my universal life insurance quote Kearns?
Investment options in Kearns, UT include stocks, bonds, mutual funds, ETFs, and other investments such as annuities. Financial advisors may recommend these investments depending on an individual's goals and risk tolerance. There are also options like a money market fund which can provide a safe option for investing, while helping to grow the cash value component. It is important to assess all options before making any choices. Additionally, implementing a sound financial plan that is long-term focused and tailored to personal needs can help to maximize returns with the cash value component.
In Kearns, UT, it's important to note that death benefits are generally not subject to federal income tax. However, in some states, these benefits may be subject to state or local taxes, such as Utah's state income tax. While the exact details of who is responsible for paying death benefits vary from state to state, it's best to consult a qualified tax professional in Kearns, UT who can provide specific, relevant advice based on the individual circumstances.
How do I take a loan against universal life insurance policies near Kearns?
If you live in Kearns, UT and are interested in taking a loan against your policy, it is important to first consult with an expert. Consider speaking with an insurance agent, bank representative, or financial advisor who can provide you with more detailed information on the process. Through the proper advice, you can understand the rules, procedures, and applicable fees of taking a loan against your policy. Once you have gathered the appropriate data, you can make decisions regarding the loan accordingly.
How long do I have to reinstate a lapsed universal life insurance in Kearns?
In Kearns, UT, the length of time you have to reinstate a lapsed policy depends on the specific policy and insurance provider. Generally, insurance companies allow policyholders to reinstate lapsed policies within a certain window, generally 30 to 90 days. To reinstate a lapsed policy, you will need to submit a payment for the full premium amount with no outstanding balance, plus a reinstatement fee. You may also need to sign a new policy agreement.
How often will I be charged fees for my Kearns universal life insurance policy?
Fees associated with Kearns, UT vary based on the services you require. Generally speaking, you will need to pay a one-time setup fee and then monthly or annual fees depending on the type of services you are using. You should review your subscription agreement or contact the service provider directly to get an exact answer as to how often you will be charged. In most cases, you will be billed in advance for the next month or year of service, though you may be able to pay per item or per use if applicable.
Is it possible to merge or split a universal life insurance policy with the average Kearns universal life insurance company?
It is certainly possible to merge or split a universal life insurance policy in the Kearns, UT area. Universal life insurance policies are variable, meaning they can be customized according to a person's individual needs and financial situation. Therefore, when an individual's circumstances change, it may be beneficial to adjust their policy accordingly, such as merging two policies into a single policy, or splitting one policy into two. Professional advice should be sought when considering merging or splitting an insurance policy, as the results could have implications for the individual’s coverage and premiums.
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