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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 Lehigh Acres, FL.
Frequent Questions...
Universal life insurance is a form of permanent coverage that works to provide policyholders in Lehigh Acres, FL with life-long protection. This type of policy not only covers death benefits, but also provides an element of cash value accumulation for policyholders. As well, the premiums for universal life coverage are typically more flexible than other forms of life insurance, allowing policyholders to adjust the amount of death benefit and the premiums according to their changing needs and budget.
What are the main differences between universal life insurance quotes in Lehigh Acres and whole life insurance?
Universal and whole life insurance are two life insurance products with key differences. For Lehigh Acres, FL residents, one of the primary differences between universal and whole life insurance is rate and coverage flexibility. With universal life, Lehigh Acres policy holders have the ability to adjust rate and coverage amounts on their policy, as well as receive a cash value. Whole life insurance coverage, however, remains fixed over the life of the policy and depends on the policy holder's age and health condition.
What features make a universal life insurance policy Lehigh Acres unique compared to other life insurance products?
Universal life insurance is a unique product offering various advantages compared to other life insurance options. Specifically, for residents of Lehigh Acres, Florida, one of the key benefits of a universal life policy is its flexible payment structure that can be adjusted over time depending on financial needs. This level of flexibility makes it a great option for those who require and desire more control over their life insurance investments. Additionally, universal life premiums are typically lower than those of cash value policies, making them an attractive policy for those looking to mitigate risk while efficiently managing their long-term costs.
What are the consequences of late premium payments and universal life insurance near Lehigh Acres?
In Lehigh Acres, FL, the financial repercussions for failing to pay a life insurance premium before its due date can be significant. Paying a premium late will generally incur a penalty, often compounded by a late fee; many insurers in the area can also choose to declare a policy void after a certain period of non-payment. With a void policy, the insured loses the protection that the life insurance coverage provides. Premiums must be kept up-to-date in order for an insurance policy to remain active and valid.
How often is interest credited to the cash value in my universal life insurance quote Lehigh Acres?
Interest for cash value in Lehigh Acres, FL is typically credited quarterly. Depending on the terms of the policy governing your cash value, this might be every three months, semi-annually, or annually. Annual interest rate for cash value varies based on your provider so it's important to review your policy for more information. Keep in mind, though, that by submitting payments into your account over the course of the year, the ultimate amount credited to the policy in cash value is more than the interest earned every quarter.
Yes, increasing the death benefit later in the policy's life is possible. For example, if you live in Lehigh Acres, FL, you may want to consider a term life insurance policy with an increasing death benefit rider. This type of insurance rider allows your policy's death benefit to increase on an annual basis, even if the premium remains the same. This means you can take a policy out with a low death benefit initially, and slowly build up the benefit as you age.
What is the maximum amount I can borrow from universal life insurance policies near Lehigh Acres?
It is important to note that the maximum amount you can borrow from a policy will vary by each insurer. However, as a Lehigh Acres resident, you will generally be able to borrow up to the cash surrender value of the policy (if applicable). Furthermore, the amount available for loan may vary slightly between different policies, so it is best to check with your insurer to understand how much you can borrow. Ultimately, when considering taking out a loan, it is important to be aware of the terms and repayments associated with the policy to ensure that it is the best financial decision for your situation.
How is the surrender value calculated with my universal life insurance in Lehigh Acres?
Surrender value in Lehigh Acres, FL is calculated using actuarial principles, based on the account's present value minus any applicable surrender charges, outstanding loans, and any other applicable deductions. These principles are in place to ensure the policyholder is being compensated appropriately for any annuity or life insurance policy they may have purchased, and to provide accurate calculations for the policyholder and the company providing the insurance coverage.
What types of fees are associated with my Lehigh Acres universal life insurance policy?
In Lehigh Acres, FL, universal life insurance policies can come with a variety of fees, such as them monthly premiums, which may vary depending on the particular policy terms and coverage type. Policyholders will also experience administrative fees, which are based on the amount of money in the policyβs cash value account, and may include policy maintenance, recordkeeping, and accounting fees. In addition, those looking to get more coverage may also incur extra fees should they choose to make a policy rider or amendment.
How can I adjust the terms of my policy through my Lehigh Acres universal life insurance company?
If you need to adjust the terms of your policy after it has been issued and you live in Lehigh Acres, FL, you should contact your insurance agent. They can review your policy and make changes or additions as needed. If there are additional premiums due, you can arrange to pay those at the time you submit the changes or additions. Your insurance agent is familiar with policy changes in the Lehigh Acres, FL area, and they will be able to help you determine the best way to adjust your policy.
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