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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 Los Angeles, CA 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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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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"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 Los Angeles, CA. 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 Los Angeles, CA.
Frequent Questions...
In Los Angeles, CA, universal life insurance is indeed considered a permanent type of insurance because it has flexible policies and options that help an individual to manage its benefits and premiums for life. It provides much greater protection than term insurance and may be used as a funding tool for retirement plans or for estate planning. Additionally, universal life insurance offers the additional benefit of allowing the policyowner to adjust the amount of coverage as well as their premium payments over time.
What are the potential risks associated with universal life insurance quotes in Los Angeles?
Universal life insurance is a great way to plan for your and your family's future, however there are some potential risks associated with it. In Los Angeles, CA, the primary risk with this type of insurance is the possibility of the policy not covering all of your needs if the market performs poorly and there’s not enough money in the investment account. Other risks include the potential of higher fees and more taxes if the premiums are not paid on time or in full.
Are there any riders or additional benefits I can add to my universal life insurance policy Los Angeles?
In Los Angeles, California, there are a variety of riders and additional benefits that you can add to your insurance policy. Depending on your individual needs, you can choose from accident, disability, and supplemental death benefit riders that are available to those who have purchased their insurance policy in California. Additionally, you may add coverage for towing and labor, high-value item coverage, pet insurance, identity theft protection, rental car coverage, new home replacement coverage, and even credit monitoring.
How is a premium calculated for universal life insurance near Los Angeles?
The premiums for universal life insurance in Los Angeles, CA, are calculated based on factors including your age, gender, and health history. Certain lifestyle choices can also affect the cost of coverage, such as whether or not you smoke, and where you live. The higher your risk factors, the higher your premium will be. Universal life insurance can also allow you to adjust your coverage amount and premium payments to fit your changing life, giving you more control over how much coverage you have at any given time.
What investment options are available for the cash value component after my universal life insurance quote Los Angeles?
If you're located in Los Angeles, CA, there are a variety of investment options available for the cash value component of your life insurance policy. Depending on your appetite for risk, you can choose to invest in stocks, mutual funds, index funds, exchange-traded funds, bonds, options, real estate trusts, commodities, or money market funds. Additionally, it's important to consult with a financial advisor to help determine which products are right for your situation and budget.
In Los Angeles, CA, the death benefit of your policy is determined by the insurer based on the information provided by you with the application. The insurer will consider factors such as your age, health history, type of policy, and other relevant variables before approving the death benefit amount. Generally, the greater the coverage amount, the higher the premium you will be required to pay in Los Angeles, CA. Furthermore, the death benefit amount will be adjusted if any changes are made to your policy. It is important to note that the death benefit will be subject to applicable California laws and regulations.
How does a withdrawal affect my death benefit and universal life insurance policies near Los Angeles?
Taking a withdrawal in Los Angeles, CA will reduce the death benefit your beneficiaries receive once you pass away. This is because withdrawals reduce the total cash value of the policy. Depending on the type of policy, the reduction may be permanent or temporary. However, it is important to note that taking a withdrawal may also incur taxes or penalties. Therefore, it is best to consult with a financial advisor before taking a withdrawal to understand the potential implications.
Are there any penalties for surrendering the universal life insurance in Los Angeles early?
In Los Angeles, CA, surrendering your policy early carries the financial penalty of forfeiting the Cash Surrender Value. This value is based on the accrued dividends, cost of insurance charges, and any applicable state or federal taxes. Additionally, you may be subject to a surrender charge, which is determined by your policy contract and can range from 0 100% of your premiums depending on when you decide to exit your policy. It is important to consider all of these costs before choosing to surrender your policy.
How often will I be charged fees for my Los Angeles universal life insurance policy?
The frequency in which you are charged fees for services in Los Angeles, CA will depend on the type of service you are requesting. If you are looking to have a certain item delivered, then you will be charged a fee at the time of delivery. If you are signing up for an online subscription service for example, then you will be charged the fee associated with the service on a recurring basis every month. Additionally, if you are needing a one-off service such as a one-time cleaning then you will be charged the fee upfront.
How can I adjust the terms of my policy through my Los Angeles universal life insurance company?
In Los Angeles, CA, policy terms and conditions can be adjusted after they've been issued. It's best to contact the insurance company directly and provide a written request detailing the changes you'd like to make. Be sure to provide all the necessary information connected to the policy, so they can make the necessary updates. Generally, insurance companies will review requests like these and advise as to the next course of action. It's important to note that changes may not always be possible, so be sure to have a backup plan.
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