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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 New Franklin, OH 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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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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Step 2
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Step 3
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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 New Franklin, OH. 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 New Franklin, OH.
Frequent Questions...
Universal life insurance is an excellent insurance option for clients in New Franklin, OH looking to provide long-term security. This policy combines the flexibility of a savings component with a death benefit that may be used to pay for final expenses. It can also be used as an investment, allowing policyholders to accumulate savings over time without any income taxes on the earnings. These plans offer a guaranteed, fixed rate or variable rate on the amount of death benefit provided – with options for making contribution payments over time.
How do universal life insurance quotes in New Franklin compare with term life insurance?
Universal life insurance in New Franklin, OH provides long-term protection and has greater flexibility than term life insurance. Universal life offers death benefit protection, flexible premiums, and cash value accumulation. While term life insurance provides basic coverage for a set period of time, universal life insurance allows policyholders to adjust the premiums and amount of coverage they receive. Additionally, cash value accumulates in a universal life policy, providing more value than a typical term life policy does.
How can the cash value in my universal life insurance policy New Franklin grow over time?
Those living in or near New Franklin, OH have the potential to increase the growth of the cash value in their policy over time by taking advantage of the numerous insurance options and strategies available. By speaking with a qualified financial advisor, you can develop a custom plan based on your individual financial goals that can potentially increase the growth of the cash value in your policy.
With universal life insurance near New Franklin, can I increase or decrease my premium amount after the policy starts?
Customers in New Franklin, OH have the option to increase or decrease their premiums amount after the policy has started. You must first contact your insurance provider to review your policy and to discuss the applicable adjustments. Your provider will review any amendments to your current coverage and process these changes accordingly. Removing or adding coverage options may result in an adjustment to the premium amount. Please be aware that the changes made may also direct to changes to the type and amount of coverage you are currently receiving.
Are there any limits to the cash value growth in my universal life insurance quote New Franklin?
In New Franklin, OH, there are no hard limits to the cash value growth as it is determined by your premiums and the performance of the investment options selected. As a policyholder, you have the opportunity to accumulate and grow your cash value through intelligent investments that meet your personal goals and objectives and may even help you reach your retirement goals faster. The earning potential of your policy can depend on the types of investments you make as well as the number of years your policy has been held. The more long-term focused investments you make, the higher the potential for growth.
The death benefit for life insurance policies in New Franklin, Ohio, is determined by the face value of the policy, also known as the coverage amount. This is the amount that the insured or their beneficiary is eligible to receive if the insured passes away while the policy is in effect. Depending on the type of policy, there may also be additional amounts, such as cash value or dividends, that may be paid out at the time of death. The death benefit amount can be discussed in more detail with an insurance professional in New Franklin, Ohio.
What is the maximum amount I can borrow from universal life insurance policies near New Franklin?
In New Franklin, OH, the maximum amount you can borrow from your policy depends on several factors, such as the type of policy you hold, the amount of coverage you have, and your age. For example, if you have a whole life insurance policy with a face amount of $100,000, you may be able to borrow up to $90,000 from it. It is important to remember that the money you borrow will be reduced from the overall amount of coverage you hold, so you should carefully consider your borrowing needs before taking out a loan from your policy.
What is the process for surrendering my universal life insurance in New Franklin?
Surrendering a universal life insurance policy in New Franklin, OH requires that you contact your insurance company. You must complete their designated forms for surrendering the policy, as policies and procedures vary by company. Then, the insurer will review your request and proceed to cancel the policy and issue any applicable cash benefits. It's important to understand that surrendering the policy generally means forfeiting any future continuing benefits, such as protection and the tax advantages associated with it. Therefore, make sure you understand the implications of canceling your policy before you proceed with the surrender.
With the average New Franklin universal life insurance policy, are there any transaction fees?
At New Franklin, OH, we believe in providing cost-effective solutions for our customers. When changing investment options, there are no transaction fees for those conducted online. Our secure online system allows customers to easily make changes to their investment plan without any additional charges. Furthermore, our team of financial advisors are available to help customers choose the best options that perfectly fit their needs, without any associated cost. We make the change process simple, and we ensure that customers can make informed decisions about their investments with us.
How can I change the beneficiaries on my policy with my New Franklin universal life insurance company?
If you are a resident of New Franklin, OH and need to change the beneficiaries on your policy, you can contact an insurance provider in the area to discuss your specific options. At an agent's office, you can determine the best course of action and review your policy with an experienced professional. Alternatively, if you cannot visit an office in person, you may be able to make changes to your policy online or over the phone. Whichever option you choose, it is important to make sure that your beneficiaries are set up correctly, as it will affect who is eligible to receive your policy's benefits.
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