Taking too long? Close loading screen.
Compare over 37 Universal Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 King City, CA 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 King City, CA. 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 King City, CA.
Frequent Questions...
Universal Life Insurance, or UL, is designed to provide lifelong protection for King City, CA residents. Depending on the policy, UL can last until the policyholder reaches age 121 or longer. The cash value grows tax-deferred, making the policy an appealing choice for longtime security and financial planning. Generally, UL policies have flexible premiums, meaning you can change your premium based on the changing needs in your life. UL policies also have flexible death benefits, allowing you to customize your payout to ensure your beneficiary receives the amount you intended.
What are the potential risks associated with universal life insurance quotes in King City?
Universal life insurance offers flexibility and the potential for survival benefits, but it is important to consider the associated risks. Since King City, CA is located on the coast, policy holders should consider the possibility of an increase in insurance premiums due to the potential for natural disasters, such as flooding. Since the policy holder is responsible for making contributions into the policy, the management of those funds should be carefully managed in order to ensure sufficient funds are available to pay premiums when due and to maintain the life insurance coverage.
Can I get a universal life insurance policy King City if I have health issues?
Yes, you can get a policy in King City, CA, even if you have health issues. Insurance companies are required by law to provide coverage to individuals regardless of pre-existing conditions. However, you should be aware that there may be higher premiums and more restrictions on coverage based on your health issues and you may not qualify for certain policy riders or discounts. It is a good idea to discuss your particular health conditions with an insurance agent so they can provide the best options for your individual needs.
How is a premium calculated for universal life insurance near King City?
Your universal life insurance premium in King City, CA is calculated according to a number of factors, such as your age, gender, medical history, lifestyle, and the amount of insurance you are hoping to obtain. Depending on the insurer and the policy type, your premiums may also take into consideration things such as your credit score, occupation, and even your hobbies and interests. The premium amount will also vary based on the amount of cash value you are wanting to include in your policy.
Is there a guaranteed minimum interest rate for the cash value of my universal life insurance quote King City?
No, there is not a guaranteed minimum interest rate for the cash value in King City, CA. Although it is possible to find cash value products that offer an interest rate, the rates can vary from one provider to the next. It is important to shop around and read the fine print to determine the best interest rate and cash value product for your needs. Considering King City, CA offers a variety of banks and financial providers, it is a good idea to research each product and provider before making a final decision.
Yes, absolutely. In King City, CA, you can increase the death benefit later in the policy's life, meaning that the death benefit can scale up or down as your needs and/or circumstances change. Increasing the death benefit may require certain requirements to be met and may take longer than a regular policy change, but it is something that can be done. There are several types of products available that allow for the benefit to be increased such as a rider, a conversion option, or a guarantee issue policy. Speak with your insurance advisor to discuss the best options that work for your situation.
How do I take a loan against universal life insurance policies near King City?
If you are interested in taking a loan against your policy in King City, CA, you should first find out what type of insurance you currently have. Depending on the lender, you may be able to take a loan from a financial institution such as a bank or credit union, or from the insurance provider itself. When looking for a loan, you should compare lenders to make sure you are getting the best deal with the most competitive interest rates, loan terms, and fees. Be sure to read all the fine print and ask questions to make sure you understand the loan process before signing any documents.
How is the surrender value calculated with my universal life insurance in King City?
In King City, California, the surrender value of an insurance policy is calculated using the guaranteed cash values of the policy and any applicable surrender charges. The company determines the guaranteed cash values from the policyholder’s premiums, the insurer's experience with the policyholder's age and health, and the duration of the policy. After the surrender charge is subtracted, the residue is the surrender value. Depending on the state, the policyholder may receive a surrender charge if the policy is surrendered within the initial period.
Are there penalties for excessive withdrawals from my King City universal life insurance policy?
In King City, CA, financial institutions usually impose a charge for excessive withdrawals on your savings account. Since many banks do not charge for regular withdrawals, the fees are typically charged on withdrawals beyond a certain number per month, and only if you are in an account with limited transactions. Depending on the institution, you may incur fees of between $1-$20 for each unusual or excessive withdrawal. Be sure to read the fine print of your account agreement to see what the policies are for your own bank or credit union.
Is it possible to merge or split a universal life insurance policy with the average King City universal life insurance company?
Yes, it is possible to merge or split a universal life insurance policy in King City, CA. You will need to contact your specific insurance provider and make a request to do either of those actions. During the request, make sure to explain your reasoning for wanting to modify your policy and provide the necessary documents for the transaction to be done. Your provider will then assess your application to make sure that it fits their criteria, and if approved, they can proceed with the merge or split.
Compare King City, CA 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
