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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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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.
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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 Longview, WA.
Frequent Questions...
Someone living in Longview, WA may choose universal life insurance because it offers flexibility and benefits that may not be available with traditional or term life insurance. Universal life insurance offers more options to customize policies, allowing you to adapt and make changes according to your financial needs. Universal life insurance allows policyholders to adjust premiums, change the death benefit, and sometimes even borrow against the cash value. Additionally, owning a universal life insurance policy provides the policyholder with an income tax-free death benefit that can help ensure their loved ones in Longview, WA are taken care of.
What are the main differences between universal life insurance quotes in Longview and whole life insurance?
In Longview, WA, the two main types of life insurance are universal and whole life insurance. Universal life insurance is primarily designed to provide permanent coverage with flexibility over premiums and death benefit amounts. It also has potential investment options which allows the policy holder to use the policy's cash value as a lifetime asset. Whole life insurance, on the other hand, is a type of permanent life insurance that offers a guaranteed level premium, a fixed death benefit, and a cash value which accumulates on a tax-deferred basis.
What features make a universal life insurance policy Longview unique compared to other life insurance products?
Universal life insurance in Longview, WA stands apart from other life insurance products because it combines the death benefit with an investment component. This allows policyholders to adjust their premiums, depending on their changing needs or budget. In addition, policyholders can access the cash value (accumulated tax-deferred) should an emergency arise. Long-term, this policy helps build a safety net by offering death benefit protection plus asset accumulation in a single policy.
With universal life insurance near Longview, are there any penalties for not paying premiums?
In Longview, WA and beyond, failure to make premium payments can include significant penalties. Depending on the specific insurance policy, non-payment of premiums can result in termination of the policy, and unpaid or overdue balances could be subject to further interest or collection costs. Insurance companies may also pursue legal action if policyholders fail to pay premiums. Itβs important to contact your insurer if you think there may be a lapse in premium payments occurring, as there are sometimes options available for avoiding these penalties.
What investment options are available for the cash value component after my universal life insurance quote Longview?
Longview, WA offers a variety of investment options for the cash value component. These options range from traditional bank investments, such as money market accounts, certificates of deposit, and savings accounts; to stock and bond market investments; mutual funds; and a variety of annuities. Each investment option provides its own unique benefits and earns interest to help you reach your goals. Depending on your individual needs and financial goals, you can choose the best investment option for you.
In Longview, WA, the process for beneficiaries to claim the death benefit is to submit a claim for benefits with documentation of the deceased's death, including a certified death certificate. In some cases, additional documentation may be required before benefits can be paid. Beneficiaries may also need to provide proof of identity, proof of relationship to the deceased, as well as other documentation as needed. Once all documents are received and the claim is approved, the benefit will be distributed by mail to the correct recipient in accordance with the applicable rules.
Are there any fees associated with taking a loan against universal life insurance policies near Longview?
Yes, there are certain fees associated with taking out a loan in Longview, Washington. The loan application process may involve a loan origination and/or an underwriting fee, which is the cost to process the documents needed for the loan. Additionally, many loans require an application fee to cover legal and administrative costs. The amount a borrower may be responsible for in fees depends on the type of loan, lender, and borrower's credit worthiness. Borrowers should consider researching different lenders to find an option that suits their needs best and offers the least amount of fees.
How is the surrender value calculated with my universal life insurance in Longview?
In Longview, WA, the surrender value of a life insurance policy is calculated based on the policy type, policy holder's age, policy face amount, and the current cash surrender value. The calculation usually includes the death benefit plus any cash value that has accumulated over the years of policy ownership. The cash value is determined by the market-based investments of the carrier, the policyholder's payments in the past, and the governing state's set of laws. The Longview, WA life insurance company will typically provide an accurate assessment of the surrender value based on all of these elements.
How often will I be charged fees for my Longview universal life insurance policy?
The fees associated with Longview, WA vary depending on the specific service or activity involved. Generally, the fees will be charged on an as-needed basis or possibly on a recurring monthly basis. If the fee is assessed on a regular basis, you will be notified of the amount and the schedule ahead of time so that you can be prepared for the charges. It's important to review any agreements to verify the frequency of the fee payments.
How can I change the beneficiaries on my policy with my Longview universal life insurance company?
In Longview, WA, you can change the beneficiaries on your policy by completing a new beneficiary designation form. This form is typically available from your insurance provider and should be returned with any necessary documentation and the signature of the policyholder. Once the form is completed, check with your insurance provider to ensure it has been received and the changes processed. If you have any questions, contact your local agent for further assistance.
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