Compare over 37 Universal Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 North Ogden, UT 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 North Ogden, UT. 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 North Ogden, UT.
Frequent Questions...
Universal life insurance in North Ogden, UT works similarly to other kinds of life insurance. The insured person pays a certain amount each month or year to the insurance company, and in the event of their death, the company pays out a predetermined amount of money to the beneficiaries designated in the policy. What makes universal life insurance different is that since the policy is not tied to an investment account, the premium payments can be adjusted as needed and part of the premium payments can even be invested in underlying products like bonds or mutual funds.
What are the main differences between universal life insurance quotes in North Ogden and whole life insurance?
When considering life insurance in the North Ogden, UT area, there are two main types to consider: universal and whole life. The primary difference between these two is that universal life insurance accumulates cash value at a variable rate set by the insurance company, while whole life insurance accumulates cash value at a predetermined rate. Additionally, with universal life you can adjust premiums and coverage as needed, whereas with whole life the premiums are fixed and coverage is permanent. Lastly, universal life is generally more affordable than whole life, but in exchange for lower premiums, it offers fewer guarantees.
Can I get a universal life insurance policy North Ogden if I have health issues?
Yes, you can still obtain a policy in North Ogden, UT, if you have health issues. The experts at our local independent insurance agency are here to help you find the best coverage to fit your needs, even if you have pre-existing conditions. Our highly trained and experienced agents will work with you to understand your health history and identify the right policies available in North Ogden, UT, to address your specific needs. We understand the importance of finding a policy that meets your needs and budget, and we are committed to helping you every step of the way.
What are the consequences of late premium payments and universal life insurance near North Ogden?
In North Ogden, UT, consequences of late premium payments may include increased premiums, higher deductibles, or the denial of coverage. There may also be other consequences such as fines, penalties, or cancellation of the insurance policy with no option to be reinstated. Additionally, failure to pay premiums on time may result in a loss of coverage, meaning untreated medical bills may cause financial hardship and added long-term debt. Furthermore, the failure to pay premiums could lead to a bad rating on credit reports, making it hard to acquire new insurance or financial services.
Is there a guaranteed minimum interest rate for the cash value of my universal life insurance quote North Ogden?
The cash value of investments in North Ogden, UT may not necessarily have a guaranteed minimum interest rate as it varies depending on the terms of the investment and the financial institution. However, many financial institutions in North Ogden, UT offer competitive interest rates to potential investors with guarantees of a minimum interest rate, lock-in periods, and depending on the institution, potential bonus interest. It is recommended that potential investors take time to explore their options and understand the terms of their investments, so they know what they can expect out of their investment.
Yes, you can have multiple beneficiaries for your policy if you choose. North Ogden, UT has some great Financial Services providers who can assist you in designing a policy and determining who should be listed as beneficiaries. It's important to keep in mind that the only people who can be listed as beneficiaries are those who are legally allowed to receive money from your policy. This includes spouses, children, family members, and others who you designate as primary or secondary beneficiaries. Additionally, if you set up multiple beneficiaries, you'll need to include an allocation percentage so the benefits are divided accordingly.
Are there any fees associated with taking a loan against universal life insurance policies near North Ogden?
Yes, there are fees associated with taking a loan in North Ogden, UT. Depending on the type of loan you are considering, you may be subject to administration fees, processing fees, and other bank fees. Be sure to do research and ask loan officers in North Ogden what the fees are in order to determine the total cost of the loan. In some cases, these fees can add up to a considerable amount. So, be sure to ask any questions about fee structure upfront before signing any loan documents.
Can I reinstate my universal life insurance in North Ogden after it lapses?
In North Ogden, UT, you may be able to reinstate a policy that has lapsed. Depending on the insurance company and the type of policy, you may be able to reinstate the policy with no additional underwriting. However, if you have had any changes to your policy since it lapsed (such as a move to a different zip code), additional underwriting may be required. To get started, simply contact the insurance company that holds your policy and inquire about reinstatement. An insurance representative can provide you with a quote and details on any applicable fees.
How often will I be charged fees for my North Ogden universal life insurance policy?
Charges for services in North Ogden, UT will depend on the type and extent of your needs. We strive to provide the best and most cost-effective options for our customers. Generally, fees are billed quarterly with discounts available for annual plans. In addition, our customer service team is always available to answer any questions you may have about your current plan and billing. We understand that budget can be a factor, so please don't hesitate to contact us if you are unable to make payments or need additional assistance.
How can I adjust the terms of my policy through my North Ogden universal life insurance company?
After your policy is issued, you can contact your local North Ogden, UT insurance company and work with your agent to adjust the terms of your policy. Depending on the type of policy, you may be able to adjust it during open enrollment periods or before the policy renewal date each year. Depending on the insurer, you might also be able to adjust coverages or premium amounts in between open enrollment and renewal dates. For more information on how to make those adjustments, contact your local North Ogden, UT insurance company and speak directly to your agent.
Compare North Ogden, UT 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