Compare over 37 Universal Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Murrieta, CA 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 Murrieta, 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.
![]() |
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 Murrieta, CA.
Frequent Questions...
Yes, universal life insurance can be considered a type of permanent life insurance in Murrieta, CA. Permanent life insurance is designed to provide lifelong coverage with a cash value that grows over time and a death benefit that can remain in force for the policyholder's entire life. The Murrieta, CA area offers unique liabilities for life insurance, and permanent insurance offers a financial safeguard against those liabilities. Universal life insurance also offers benefits that are generally more flexible and customizable than other types of insurance, such as the ability to adjust coverage and premium payments according to the individual's changing needs.
What are the main differences between universal life insurance quotes in Murrieta and whole life insurance?
Universal life insurance and whole life insurance are two different types of permanent life insurance policies, and both have distinct advantages. Universal life insurance is an adjustable policy that offers more flexibility than whole life insurance. It allows policy owners to alter the amount of coverage and gives them access to the death benefits if the policy is in force until the death of the insured. Whole life insurance, on the other hand, provides permanent protection that does not decrease in benefit value. This type of policy also includes an investment component, offering a guaranteed rate of return through dividends.
Are there any riders or additional benefits I can add to my universal life insurance policy Murrieta?
Yes, depending on your coverage needs, there are many riders and additional benefits specific to Murrieta, CA that you may add to your policy. For instance, you can choose from coverage for Earthquakes, Sewer and Drain Backup, Equipment Breakdown, Debris Removal, Personal Property Replacement Cost, and Baggage Loss, to name a few. Additionally, discounts may be available such as a Fire or Burglar Alarm Credit, Home Buyers Discount, or Multi-Policy Discount.
With universal life insurance near Murrieta, can I increase or decrease my premium amount after the policy starts?
Absolutely, the Murrieta, CA area offers flexibility when it comes to adjusting your premium amount after your policy has begun. Depending on your coverage needs and the location of your home, you are able to make updates that could increase or decrease your regular payments. You should work with your insurance provider to understand which options are available to you and to make any necessary adjustments. Itβs important to keep potential adjustments in mind in order to provide the coverage that meets your needs at a rate that fits your budget.
When I get a universal life insurance quote Murrieta, how is the interest on the cash value determined?
The interest rate on the cash value in Murrieta, CA can be determined by a variety of factors, including economic conditions, a particular insurer's financial stability, the features of the policy, and the cash value. The cash value of the policy is accumulated based on the amount of money you pay in premiums and may also be affected by certain policy features such as protecting your beneficiaries from inflation. It's important to speak to a licensed professional to discuss the specific interests rates that are available in Murrieta, CA.
In Murrieta, CA you may be able to increase your death benefit later in the policy's life. Various life insurance products allow you to make additional premium payments which increase the policy's death benefit amount. It is important to review the policy's specifics and speak with your insurance agent to discuss the options best suited for your situation. Depending on your current plan, you may be able to make a one-time purchase of additional coverage within a given time period. Or, you may be able to make regular payments to gradually increase the death benefit.
How does a withdrawal affect my death benefit and universal life insurance policies near Murrieta?
Taking a withdrawal from your death benefit in Murrieta, CA could cause a decrease in the value of the benefit. When you make a withdrawal it reduces the amount of money that would otherwise be paid out on your passing. It is important to note that any withdrawals taken may be subject to state taxes and any applicable penalties. Consult a financial strategist in Murrieta regarding tax implications and how taking withdrawals could potentially affect your overall plan.
Are there any penalties for surrendering the universal life insurance in Murrieta early?
In Murrieta, CA, there are typically penalties for early surrender of an insurance policy. Depending on the exact circumstances, these penalties may include surrender charges, contractual penalties, surrender fee charges, or recapture charges. The insurance company that issued the policy may also require a notice and may report the activity to other agencies such as the Internal Revenue Service. It is important to understand the details of the policy before making the decision to surrender, so you are aware of any potential penalties or fees that may arise.
Are there penalties for excessive withdrawals from my Murrieta universal life insurance policy?
The penalties for excessive withdrawals in Murrieta, CA vary from account to account. Many financial institutions have a limit on the number of withdrawals you can make in a certain period. Once you exceed the prescribed limit, you typically face charges that can range from small fines to larger, more costly fees. In addition, if the withdrawals result in a negative balance in your account, then additional penalties may be applied such as re-deposit fees or non-sufficient funds (NSF) fees.
Is it possible to merge or split a universal life insurance policy with the average Murrieta universal life insurance company?
Yes, it is possible to merge or split a universal life insurance policy in Murrieta, CA. Depending on your universal life policy, you may be able to avoid making any changes to the policy-however, if changes are required then you'll need to work with your insurance provider and an insurance specialist in your area to modify the policy as needed. Be sure to discuss the advantages and disadvantages of merging or splitting your policy before taking any action. When properly planned and executed, splitting or merging can often help to reduce premiums or better balance the protection of you and your family.
Compare Murrieta, CA 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