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Compare over 37 Universal Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Lexington, NE Universal Life Insurance policy providers in as little as 15 minutes. Save time. Save big. Get started now.
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Over 37 policy provider comparison.
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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
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Step 2
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Step 3
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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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With PolicyHub getting started is easy. Compare all the Universal Life Insurance rates from all the providers in Lexington, NE. 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.
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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 Lexington, NE.
Frequent Questions...
Universal life insurance in Lexington, NE is a type of flexible permanent life insurance that provides a death benefit and the ability to build a cash value. This type of insurance is designed to cover you for your entire life, rather than a designated period of time, and keeps your payments as low as possible. You can control the amount and frequency of the payments you make, and your premiums will be set based on your age, health status, and the amount of coverage you're seeking.
How do universal life insurance quotes in Lexington compare with term life insurance?
Universal life insurance in Lexington, NE is similar to term life insurance, in that it is a type of life insurance that provides death benefit protection for a period of time. However, unlike term life insurance, universal life insurance also has an investment component built in, allowing part of the premiums to be invested in the chosen portfolio. Additionally, the death benefit is also flexible and can be adjusted to meet your specific needs and budget. In addition, policyholders can also make additional contributions or reduce premium payments without the need to apply for additional coverage.
What features make a universal life insurance policy Lexington unique compared to other life insurance products?
Universal life insurance in Lexington, NE provides several additional unique features that differentiates it from other life insurance products. One such feature is its flexible premiums which allows you to adjust your monthly or annual payment base with respect to your lifestyle. Another unique benefit is its cash value component that allow you to access funds through withdrawals or loans, so you can cover unexpected expenses or fund financial goals. Additionally, universal life insurance also provides early death benefits for beneficiaries so they can get financial security right when they need it.
What are the consequences of late premium payments and universal life insurance near Lexington?
In Lexington, NE, late premium payments may lead to a lapse in insurance coverage. This could leave you, your family, and your property vulnerable to unexpected risks in the event of an accident, natural disaster, or other emergency. Furthermore, paying late on a premium could result in late fees or additional charges. Any unpaid premium balance may also be reported to the credit bureaus, potentially damaging your credit score. To ensure continuity of coverage, it is important to make timely payments on all insurance premium bills.
How often is interest credited to the cash value in my universal life insurance quote Lexington?
Interest for policies held with a Lexington, Nebraska-based insurer is typically credited to the cash value annually, quarterly or monthly depending on the terms of the agreement. It's important to note that the frequency of the interest being credited can vary between insurers and policy types, so it's in the best interest of the policyholder to be cognizant of the details of their policy and ask questions if they're uncertain regarding the interest rate or the timing of when it's added.
In Lexington, NE, the process for beneficiaries to claim the death benefit is fairly straightforward. The executor of the estate will oversee the distribution of assets to the beneficiaries. Each beneficiary must provide proof of identity along with proof of relationship to the deceased. After that, the executor of the estate will be required to provide a tax return and applicable court documents to the financial institution before approving the disbursement of funds to the respective beneficiaries. If needed, the executor of the estate will help the beneficiaries complete all the necessary paperwork.
What is the maximum amount I can borrow from universal life insurance policies near Lexington?
In Lexington, NE, the maximum amount that you can borrow from your policy will depend on the type of policy that you have, the length of it and other factors. The best way to find out the exact amount you can borrow is to contact your insurance provider and discuss your policy with them. It is important to note that taking out too much money may reduce the cash value of your policy and you may be subject to the surrender charge if you choose to cash out your policy.
What is the process for surrendering my universal life insurance in Lexington?
In Lexington, NE, if you want to surrender your universal life insurance policy, you must contact your insurance company and fill out the necessary paperwork. The insurance company will send you a surrender form for you to fill out, along with instructions for completion. After the form has been completely filled out, you must then return it, with a signed copy of your policy, to the insurance company. The company will then review the paperwork and will begin the process of cancelling your policy and returning the funds.
What types of fees are associated with my Lexington universal life insurance policy?
In Lexington, NE, the types of fees associated with a universal life insurance policy will vary based on the specific policy. Generally, policy owners are responsible for paying premiums, administrative and maintenance fees, charges for an accelerated death benefit or a loan, and taxes. If the policy lapses, there may be a surrender charge or a return of premium fee. Policyowners should always review their details and compare costs with different providers to get the best value.
Is it possible to change my premium payment schedule with my Lexington universal life insurance company?
In Lexington, NE, you may be able to change your premium payment schedule depending on the type of coverage you have. Speak with your insurance provider and ask for their policies regarding payment schedule change requests. If you're lucky, you may be able to switch to a monthly or quarterly payment plan or even switch the date of when you receive your statements or pay premium payments. Be sure to ask about any potential fees associated with the schedule change in order to make the best decision for your situation.
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