Compare over 37 Universal Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Longmont, CO 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 Longmont, CO. 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 Longmont, CO.
Frequent Questions...
In Longmont, CO, universal life insurance is usually considered a type of permanent insurance due to its longevity and flexibility. It differs from other types of life insurance in that it is not term life insurance, which is only designed to provide coverage during a particular period of time. Universal life insurance offers the opportunity for flexible premium contributions and ongoing coverage in the form of death benefit protection while acting as a retirement savings vehicle.
How should I evaluate if universal life insurance quotes in Longmont fits my financial goals?
Evaluating if universal life insurance fits your financial goals in Longmont, CO should involve seeking professional advice from a qualified financial advisor. They can provide an in-depth analysis of your financial situation, helping you determine which policy can best meet your needs now, and in the future. A financial advisor can also provide objective insight into the product features, terms and overall best solutions for your needs. Furthermore, they can develop customized projections of how your policy will perform, enabling you to make better informed decisions before purchasing a life insurance policy.
How can the cash value in my universal life insurance policy Longmont grow over time?
In Longmont, CO, there are a variety of ways that the cash value in your policy can grow over time. In addition to stock market investments, you can take advantage of dividend options and cost-of-living adjustments to increase the cash value. Long-term care insurance can also be included in your policy, increasing your policy's value as you age. Additionally, you can look at participating policies, which offer dividends based on the performance of the insurer's investment portfolio.
What are the consequences of late premium payments and universal life insurance near Longmont?
In Longmont, Colorado, the consequences of late premium payments vary depending on the policyholder's situation but could include having your coverage lapsed or terminated and potentially being liable for any claims incurred during the lapse as a result of no coverage. Additionally, late payments can incur late payment fees which may impact the policyholder's ability to keep up up current on their payments in the future.
Are there any limits to the cash value growth in my universal life insurance quote Longmont?
In Longmont, CO, cash value growth is only subject to restrictions from the issuer of the policy and any applicable state law or regulation. In general, there are no predetermined limits on the amount of cash value that can accumulate, as long as the policy is kept in force and premiums are timely paid. However, the policy may include certain limits such as maximum surrender and withdrawal limits and contributions and loans may also be limited. It is always recommended to fully review a policy before purchasing to ensure that the cash value growth meets the expectations of the policyholder.
In Longmont, CO, the process for beneficiaries to claim the death benefit is as follows: First, they must file an application with the Longmont Social Security Office. If the application is accepted, the death benefit will be issued to the rightful beneficiaries soon thereafter. The Social Security Administration will notify each beneficiary of the payment amount by letter. To receive the death benefit payment, the beneficiary must provide valid ID, proper paperwork, and any other relevant documents requested by the SSA. If the beneficiary is currently receiving other benefits from Social Security, the payment will be added to their other payment.
How do I take a loan against universal life insurance policies near Longmont?
If you're a resident of Longmont, CO looking to take out a loan against your policy, there are a variety of options available. First, you should speak to a local financial advisor in order to get an accurate assessment on your policy and determine the amount of the loan you’re looking to take out. The financial advisor can also guide you through the entire process and ensure you receive a favorable outcome for your loan. Additionally, the advisor can provide you with information on what specific lenders in the area are offering the best loan options.
Are there any penalties for surrendering the universal life insurance in Longmont early?
In Longmont, CO, surrendering a policy early can have associated fees and penalties. The amount of fees and penalties will depend on the individual policy and the specific insurer. Early surrender fees can range from a small service fee to a sizeable portion of the policy’s cash value. It’s important to review the policy’s terms and conditions and speak with your insurance provider to determine if surrendering your policy will result in any fees or penalties. Additionally, depending on your policy's surrender provisions, you may be entitled to a partial refund of your original premium payments.
How often will I be charged fees for my Longmont universal life insurance policy?
Charges for services in Longmont, CO will vary depending on the type of service required. Generally speaking, fees are charged on a monthly basis, but some services may be charged at different intervals. If you have any questions about the specific fees or payment timelines associated with a service, it is recommended that you contact the relevant agency directly for more information.
How can I change the beneficiaries on my policy with my Longmont universal life insurance company?
To change the beneficiaries on a policy in Longmont, CO, the policyholder should contact their financial adviser or insurance agent. If the policyholder lives in Longmont, they may also be able to visit a local office and complete the necessary paperwork to change the beneficiaries. Depending on the policyholder's individual needs, they may need to fill out forms, inform the insurance company of the changes, and submit any forms the company requires. It is important to note that updating this information may also require paying any additional fees associated with the changes being made.
Compare Longmont, CO 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