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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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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 New Bern, NC.
Frequent Questions...
In New Bern, NC, universal life insurance is generally considered a form of permanent insurance. This type of policy provides coverage that lasts the insured's lifetime, and is designed to provide benefits beyond just a death benefit. This insurance also offers cash value and flexible premium options, so you can adjust your policy, if needed, to fit your life situation. As far as permanence goes, universal life insurance can remain in force, as long as sufficient premiums are paid to support the policy.
What are the main differences between universal life insurance quotes in New Bern and whole life insurance?
In New Bern, NC, there are two main differences between universal and whole life insurance. Universal life insurance is a flexible option that lets you vary your premium payments and death benefit amounts, whereas whole life insurance generally offers a fixed premium and a guaranteed death benefit. Universal life insurance also offers more strategic investment options and growth potential, whereas whole life insurance offers dependable and immediate death benefit coverage. Ultimately, the decision to choose between universal and whole life insurance in New Bern, NC should be based on your current and future financial goals.
How can the cash value in my universal life insurance policy New Bern grow over time?
The best way to ensure your cash value in your policy increases over time in New Bern, NC, is to make sure you are taking advantage of any rate increases, dividend options or bonus supplements offered by your life insurance provider. Additionally, lifetime payments via annuities ensures your cash value grows over time. Regularly reviewing your policy to check for any performance or dividend rate increases is also recommended for optimal growth. Also, don't forget to factor in any long-term inflation rates and current economic conditions so you can make the most of your cash value in the long-term.
With universal life insurance near New Bern, can I increase or decrease my premium amount after the policy starts?
Certainly, in New Bern, NC you are able to adjust your premium amount after the policy begins. You should contact your insurance provider to discuss the payment scheduling modifications to ensure that the changes meet your needs. Depending on your policy, there could be a discount or additional fee added to your payments. Your provider can help you to understand the full extent of the changes and the potential outcomes based on your chosen payment schedule.
Are there any limits to the cash value growth in my universal life insurance quote New Bern?
In New Bern, NC the cash value growth of a life insurance policy can depend on the type of policy and the underlying investment that it is invested in. It is possible for the cash value to increase, however, the particular growth will depend on the performance of the financial markets, making growth unpredictable. Therefore, while there are no standard limits to the amount of cash a policyholder can accumulate, it is important to consider the amount of risk the policyholder is taking with the policy and any potential losses that may be incurred due to changes in the investments.
Beneficiaries in New Bern, NC who wish to claim the death benefit must first contact the organization providing the benefit and provide them with the necessary paperwork. This paperwork must include a valid copy of the deceased's death certificate, as well as any other documents that may be required. Following submission of the paperwork, the organization will review the documents for accuracy, and then will either release the benefit to the beneficiaries or inform the beneficiaries of any additional steps that need to be taken to complete the process.
How does a withdrawal affect my death benefit and universal life insurance policies near New Bern?
Taking a withdrawal from your death benefit in New Bern, NC, can affect the amount of life insurance death benefit you receive in two main ways. Firstly, a withdrawal will reduce the policy's cash value, which is the amount of money available to pay benefits at death. Secondly, a withdrawal can also cause an increase to the policy's mortality charge, which will take away from the death benefit at further rate. In some cases, a withdrawal can lead to the policy being canceled.
Can I reinstate my universal life insurance in New Bern after it lapses?
Yes, you can reinstate your policy after it lapses in New Bern, NC. You should contact the agency that issued the policy to learn about their reinstatement procedures. It is important to note that the reinstatement process will vary depending on factors such as the type of policy and the length of time that has elapsed since the policy lapsed. Additionally, companies may also charge an additional fee for reinstatement, so you should be prepared for this.
With the average New Bern universal life insurance policy, are there any transaction fees?
In New Bern, NC, the transaction fees for changing your investment options will depend on which financial advisor you choose to work with. Some may charge a one-time fee for making the changes while others may have different rates or fee structures for different investments. It's important to inquire with different advisors to find the best fit for your needs and to ensure that you understand their fee structure prior to making a decision. It is very possible to find an advisor that does not charge a transaction fee for changing your investments in New Bern, NC.
How can I adjust the terms of my policy through my New Bern universal life insurance company?
In order to adjust the terms of your policy after it's been issued in New Bern, NC, you must contact your local office of the North Carolina Department of Insurance. The Department of Insurance provides all policyholders with assistance in understanding their policy rights and obligations. You will be able to explain the changes you would like to make to the terms of your policy and determine if the requested changes are allowed under North Carolina law. Alternatively, you can work with your insurer directly to request changes that are within their control to make sure they can be made in a timely fashion.
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