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With PolicyHub you get to compare over 37 Malibu, 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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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
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Finding the perfect life insurance policy starts with answering a few questions to help us serve you better.
Step 2
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Discuss your options with a licensed insurance agent. Compare plans to find the best policy & cheapest rates.
Step 3
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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 Malibu, 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 Malibu, CA.
Frequent Questions...
Universal life insurance offers a unique combination of flexibility and life-long coverage that can make it an ideal choice for Malibu, California residents. Unlike other types of life insurance, universal policies allow policyholders to adjust their premium payments when needed, resulting in potential savings and improved cash flow. Additionally, coverage amounts and policy features can be changed as needed, meaning you can maintain the same policy throughout your life, regardless of any changes to your lifestyle or financial situation.
How should I evaluate if universal life insurance quotes in Malibu fits my financial goals?
Evaluating whether universal life insurance fits your financial goals is an important decision. For Malibu, CA residents, a great way to determine this is to consider the cost of living and future goals. Universal life insurance provides long-term protection and can help supplement retirement income, but the premiums can be more expensive in comparison to other options. Assessing the current and long-term economic situation coupled with measuring the level of life insurance needed are critical to making an informed choice.
Are there any riders or additional benefits I can add to my universal life insurance policy Malibu?
Yes, depending on where you are located in Malibu, CA, there are riders and additional benefits you can add to your policy. Malibu residents may have access to beach front property insurance, earthquake coverage, and special liability insurance. Depending on the size of your property, you may also be able to add a policy rider that covers the cost of repairing or replacing furniture, electronics, and appliances. If you're looking for special coverage for a pool, trampoline, or other large items, that may also be available.
What are the consequences of late premium payments and universal life insurance near Malibu?
Late premium payments for insurance coverage in Malibu, CA can have serious effects on the policyholder. When a policyholder fails to pay their premium on time, they may become ineligible for renewing coverage and face a lapse or cancellation in their policy. At worst, policyholders might be subject to a lawsuit or penalty from the State or insurer, as well as a decrease in coverage associated with the existing policy. It's best to stay current with premium payments so the policyholder can enjoy the full extent of their coverage and maintain their relationship with the insurer.
When I get a universal life insurance quote Malibu, how is the interest on the cash value determined?
The interest rate for cash value associated with policies in Malibu, CA depends on a variety of factors, including the age of the policyholder, the type of policy selected, and the duration of the policy. Additionally, the market interest rate and the carrier's credit rating all are taken into consideration when determining the cash value interest rate. All of these components come together to create an interest rate that works best for the policyholder.
Yes, it is possible to designate multiple beneficiaries for your policy if you live in Malibu, CA. At many insurance providers, you can name up to three primary beneficiaries as well as one or more contingent beneficiaries. To make sure that your policy meets your needs and will provide the financial security you desire for your beneficiaries, you may want to consult with a qualified insurance agent in Malibu who has experience in handling policies with multiple beneficiaries.
Are there any fees associated with taking a loan against universal life insurance policies near Malibu?
Yes, there may be fees associated with taking a loan in Malibu, CA. Depending on the loan type and lender, fees may vary. Common fees associated with loan types in the Malibu area include application, origination, disbursement and late payment fees. It's always a good idea to thoroughly read the loan agreement before taking out the loan to ensure you understand the potential fees associated with the loan. For more detailed information on loan fees, contact a local loan provider in Malibu for a consultation.
Are there any penalties for surrendering the universal life insurance in Malibu early?
Surrendering a policy early in Malibu, CA can carry a financial penalty. This penalty can include a surrender charge which is a percentage of any cash surrender value as well as a tax liability. Insurance companies may have specific policies regarding surrender charges that may vary by product, and those charges could be a large part of the premium paid to the company. It's important to understand the full impact of a policy surrender before moving forward. Before surrendering a policy, it's recommended to consult a financial advisor if possible, and to research applicable state laws.
How often will I be charged fees for my Malibu universal life insurance policy?
Fees for residents of Malibu, CA vary depending upon the type of transaction. Generally, fees are charged annually, though some charges may be applied on a more frequent basis. For example, Malibu residents must pay yearly property tax in addition to quarterly service fees such as garbage collection. Credit card fees related to transactions within the Malibu area are generally charged on a monthly basis. It's important to review the terms and conditions when opening a credit card, so you understand exactly how often you’ll be charged fees.
How can I adjust the terms of my policy through my Malibu universal life insurance company?
If you need to adjust your policy terms after it has been issued, you can contact the Malibu Insurance Company and work with your assigned agent. Typically, our agents can help you change, update, and adjust the terms of your policy to best suit your needs and preferences. Furthermore, you can always submit a policy adjustment online or by phone. If you're not a current policyholder, please feel free to take advantage of our free consultations or quote requests to get your customized policy. Our agents are extremely knowledgeable about the Malibu, CA area, and are here to provide you with excellent service.
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