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With PolicyHub you get to compare over 37 North Lauderdale, FL 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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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 North Lauderdale, FL. 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 North Lauderdale, FL.
Frequent Questions...
Universal life insurance, available in North Lauderdale, FL, is a type of permanent life insurance policy designed to provide long-term financial protection. It offers policyholders the flexibility to adjust the death benefit amount, change the policy premiums, and potentially use accumulated cash values to supplement the premium payments. An individual's premiums can be based on current life expectancy and may be structured to provide protection until age 100 or beyond. Universal life insurance policies also feature additional riders which provide access to additional methods of acquiring a death benefit.
How should I evaluate if universal life insurance quotes in North Lauderdale fits my financial goals?
Evaluating whether or not universal life insurance is the best option for your financial goals in North Lauderdale, FL, involves a thorough examination of your current finances and how they will play out in the long run. This includes assessing whether or not universal life insurance fits within your budget, if it meets all of your life insurance requirements, and if the product or provider has a good reputation in the local area. Additionally, you should also consider any available incentives, discounts, or tax benefits that may be available to you, as well as factors such as any customer service records from the company.
Does the flexibility of a universal life insurance policy North Lauderdale benefit policyholders?
Universal life insurance provides policyholders in North Lauderdale, FL with the added flexibility that can be so valuable. This type of policy allows policyholders to adjust the premium amount and the death benefit to suit their changing needs. It also provides policyholders the chance to accumulate cash value, which can be used to pay the premiums in times of financial difficulty as well as to potentially borrow against in the future. Furthermore, the investment and financing components of a universal life policy allow policyholders to incur significant leverage.
With universal life insurance near North Lauderdale, are there any penalties for not paying premiums?
In North Lauderdale, FL, failing to make premium payments can lead to various penalties. Your coverage may be canceled and you may be responsible for any medical expenses incurred during the period of time in which you were uninsured. Additionally, any unpaid premiums may be subject to collections and a lien may be placed against you. If your account remains unpaid, you will be subject to any applicable state or local taxes. You may also be responsible for any attorney's fees associated with the collection of overdue premiums.
Are there any limits to the cash value growth in my universal life insurance quote North Lauderdale?
North Lauderdale, FL offers unlimited potential for cash value growth. With access to world-class banking and a focus on financial literacy, North Lauderdale residents have the opportunity to capitalize on smart, long-term investments that can result in real growth in cash value. In North Lauderdale, investing is an avenue to increase an individual's financial security and economic success. With the right approach, cash value can be increased dramatically over time.
In North Lauderdale, FL, the process for beneficiaries to claim a death benefit is to contact the issuing insurance company directly. They will be able to provide all the necessary forms and documents that will need to be signed and completed. Once all the paperwork is completed, they will request any additional documentation necessary to verify that the beneficiary is entitled to receive the death benefit. Once all of that has been received, the issuing insurance company will process the claim and deliver the death benefit to the designated beneficiary.
How do I take a loan against universal life insurance policies near North Lauderdale?
If you live in the North Lauderdale area and are looking to take a loan against your policy, there are several ways you can go about it. You can start by speaking with your insurance agent or representative, as they may be able to provide you with information about the specific procedures for taking out a loan against your policy and the interest rate offered. Additionally, if you hold a policy with a mutual life insurance company, you may be able to contact the company directly.
What is the process for surrendering my universal life insurance in North Lauderdale?
In North Lauderdale, FL, the process for surrendering a universal life insurance policy varies depending on your insurance provider. Generally, you will need to contact your insurance provider to inform them of your decision to surrender the policy. After this, you will need to sign any paperwork associated with the policy's termination and the processing of any surrender value. Following that, you will receive a check with the policy's cash surrender value or a 1099 form as applicable. Finally, the policy will be officially terminated and no further premiums will be due.
How often will I be charged fees for my North Lauderdale universal life insurance policy?
In North Lauderdale, FL fees for services will vary depending upon the service. Generally, services are charged on a monthly basis. However, services such as water, sewer, garbage, and stormwater management generally have an annual fee. Utility fees for electricity, natural gas, internet, and phone services are also monthly charges in North Lauderdale, FL. Homeowner's insurance may be charged on either a monthly or annual basis. Depending on your agreement with the company, certain fees may be automatically charged on a quarterly or annual basis.
Can I add or remove riders after the policy has started with my North Lauderdale universal life insurance company?
In North Lauderdale, FL, it may be possible to add or remove riders after a policy has started, however, it is best to check with the specific insurance company to confirm. Since different insurance companies have different rules and regulations, the best course of action would be to contact the insurer directly and explain your needs. Depending on the company's policy or regulations, they may be able to accommodate your request or provide guidance on the steps needed to complete the change. Before you make any changes to your policy, it is important to understand the implications, both positive and negative.
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