Compare over 37 Universal Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Longview, TX 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 Longview, TX. 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 Longview, TX.
Frequent Questions...
Universal life insurance is a type of policy that can last the insured's entire life. In Longview, TX, the policy will continue to provide coverage until the individual either dies, reaches the policy's expiration date, or surrenders the contract. Universal life insurance also offers flexibility and the ability to customize the policy to fit one's individual needs. This type of coverage is a great way to ensure financial protection against unexpected events for those in Longview, TX.
How should I evaluate if universal life insurance quotes in Longview fits my financial goals?
Evaluating if universal life insurance fits your financial goals in Longview, TX requires a thorough review of your personal finances. Ultimately it's a question of whether it offers a better combination of flexibility, protection and growth potential than other available financial alternatives. You should take into account how long you want to keep the policy and whether you want the option to adjust the death benefit or premiums in the future. A qualified financial advisor can use their expertise to help determine if a universal life insurance policy makes the most sense for you in achieving your long-term financial goals in Longview, TX.
Can I get a universal life insurance policy Longview if I have health issues?
Yes, even if you already have health issues in Longview, Texas, you may still be eligible to apply for a policy. Depending on the health issue, you may need to provide additional information or document to have the best chance of getting coverage. If you are unsure of your eligibility, you can always contact an insurance specialist in Longview to discuss your options and provide guidance. With the right information and suitable policies, you can find a coverage that works for you and your health needs.
With universal life insurance near Longview, are there any penalties for not paying premiums?
Yes, there are penalties for not paying insurance premiums. The penalties vary by state and in Longview, Texas, the Texas Department of Insurance regulates the insurance industry and holds companies accountable. Some of the possible penalties include cancellation of your insurance policy, fines, and any unpaid premium can be reported to credit bureaus. Additionally, if you were to have an accident or illness that required medical care, you likely would not be compensated due to not keeping the insurance policy up-to-date.
Is there a guaranteed minimum interest rate for the cash value of my universal life insurance quote Longview?
In Longview, TX, there is no guaranteed minimum interest rate for the cash value. The interest rate will depend on the current market rate and how the cash is invested. Other considerations like creditworthiness of the policyholder may also affect the rate of return. It's important to look at the various options available and discuss them with your insurance provider to ensure that you're getting the best rate for your cash value.
In the great city of Longview, Texas, yes, you can have multiple beneficiaries for your policy. Having multiple beneficiaries listed can provide enhanced security and peace of mind as it allows you to spread out the proceeds of your policy more evenly. You can choose to specify how the proceeds should be distributed among the beneficiaries you have listed. This can be done through the beneficiary-sharing configuration while purchasing your policy or can be updated at any time in case of any life events.
How does a withdrawal affect my death benefit and universal life insurance policies near Longview?
Taking a withdrawal from a death benefit in Longview, TX can have a significant effect on the overall amount of that benefit. Depending on the specific type of policy, withdrawals might change the death benefit payout differently. Depending on the restrictions and limits within the policy, the beneficiaries or heirs may incur a reduction in the amount of the death benefit due to an early withdrawal. In some cases, taking a withdrawal might result in benefits remaining the same, while in other cases, it could reduce the amount of the death benefit.
How long do I have to reinstate a lapsed universal life insurance in Longview?
Residents of Longview, TX must act quickly to reinstate a lapsed policy since the time frame to do so depends both on the type of policy and the insurance provider. Depending on the policy and insurer, policyholders may have anywhere from 30 days to 4 months to reinstate a lapsed policy, or possibly even more. It is important to check with the insurer right away to learn how much time is left to reinstate a policy, as the lapse date may vary for each policy.
With the average Longview universal life insurance policy, are there any transaction fees?
At Longview, TX, we strive to keep costs associated with our investments as low as possible. Typically, there are no transaction fees associated with changing your investment options; however, the specific fees associated with each investment option vary based on the product or service provided. Please review our website to learn more about specific fees, or contact your investment representative for details.
Is it possible to merge or split a universal life insurance policy with the average Longview universal life insurance company?
Yes, it is possible to merge or split a universal life insurance policy in Longview, Texas. Depending on the situation, a universal life insurance policy holder may be allowed to combine two policies, split a policy into two separate policies or trade one policy for another. All of these options are generally available in Longview, TX. It is important to note, though, that there may be fees associated with the transactions for both the policy holder and the insurance company. Additionally, the policy holder should consult with their licensed insurance agent for further details and restrictions.
Compare Longview, TX 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