Compare over 37 Universal Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Kingston, NY 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 Kingston, NY. 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 Kingston, NY.
Frequent Questions...
Universal life insurance is an insurance plan that provides coverage for life, while also allowing policyholders to contribute additional funds for cash accumulation. In Kingston, NY, Royal Neighbors of America offers a universal life insurance plan that provides a flexible premium and guaranteed death benefit for you and/or your family. With access to a secure online account, customers can manage their policy on their own time, and will receive a secure and annual statement that outlines all contributions and interest that is being paid on their policy.
How should I evaluate if universal life insurance quotes in Kingston fits my financial goals?
To evaluate whether universal life insurance fits your financial goals as a Kingston, NY resident, it's important to consider how this type of policy will fit into your long-term financial plans. Specifically, look at how your desired level of death benefit coverage may affect your budget and if the premiums are in line with what you can afford. Additionally, you may want to seek professional guidance to review the flexibility of the policy and the potential for cash accumulation that you can help you accomplish your financial goals.
How can the cash value in my universal life insurance policy Kingston grow over time?
Investing in a cash value policy in Kingston, NY can provide you with an opportunity to make your money grow over time. The cash value in your policy is invested and is its own asset to you, and your money can grow over time as the cash value in your policy increases with any investment returns. Not only can you benefit from appreciation of your cash value, but you can also withdraw the cash value or use it to take a loan against the cash value.
Can I alter the frequency of my premium payments with universal life insurance near Kingston?
Yes, you can alter the frequency of your premium payments in Kingston, NY. We have many options available such as monthly, quarterly, semi-annually, or annually payments. Contact your local agent to make any changes you desire. Additionally, some insurance companies offer discounts for those who opt for longer payment durations. In some cases, you may be able to save money if you set up a monthly payment plan through a trusted third-party payment system. Finally, don't forget to ask about any additional discounts that may be available based on your area.
When I get a universal life insurance quote Kingston, how is the interest on the cash value determined?
The interest on cash value is determined by the local economic climate in Kingston, NY. Interest rates are based on the current financial conditions of the area, as well as the specific type of account you choose. Cash value accounts usually offer a fixed rate of return, so the interest rate may not increase or decrease over time. It is important to speak to a financial advisor to discuss your needs and the best options for you to earn interest on the cash value in Kingston.
The death benefit of your policy in Kingston, NY is determined by many factors, including your age, the type and amount of coverage you choose, the length of your policy term, and your health and lifestyle. In addition, there may be riders or other features that affect your policy's overall value. Your policy provider and a qualified financial advisor can review these factors in order to help you determine the death benefit that best suits your needs.
How do I take a loan against universal life insurance policies near Kingston?
If you are located in Kingston, New York, you can apply for a loan against your policy by consulting with a local financial agency or independent financial advisor. They can help you assess your individual financial situation, obtain the necessary loan application documents, and guide you in understanding the loan process. Additionally, insurance companies are often willing to help policyholders arrange loan financing against their policy, though they may require an assessment of the policy's value and surrender charges.
How long do I have to reinstate a lapsed universal life insurance in Kingston?
Residents of Kingston, NY have twenty (20) days from the date of lapse to reinstate their lapsed policy. Failing to complete reinstatement of the policy by the due date may result in a letter of cancellation of the policy. In certain circumstances, the insurance provider may allow an extension if the reinstatement is requested within thirty (30) days of the policy lapse date. It is important to contact your insurance provider as soon as possible to request a reinstatement before the 20 day expiration date.
How often will I be charged fees for my Kingston universal life insurance policy?
The fees for residents in Kingston, NY will vary depending on the services you are receiving. Generally, fees associated with services in the city are charged monthly or annually. The exact amount of the fees you are responsible for will depend on the type of services being received. For instance, the fee for trash removal may be $9 per month, while recreation fees may be charged on an annual basis. You should confirm with the appropriate department or service provider to determine the exact fees associated with services youβre receiving in Kingston, NY.
How can I change the beneficiaries on my policy with my Kingston universal life insurance company?
In Kingston, NY, you can change the beneficiaries on your policy by visiting the insurance provider's local office or by calling their customer service department. If you have the paper copy of your policy, you should make sure to bring it when you visit the office. Alternatively, you can review your policy online using your account with the insurance company. By reviewing the policy online you can determine which forms need to be filled out and submitted in order to change the beneficiaries. Once you have the paperwork completed it can be mailed or taken in person to the provider's local office.
Compare Kingston, NY 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