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With PolicyHub you get to compare over 37 Overland Park, KS Universal Life Insurance policy providers in as little as 15 minutes. Save time. Save big. Get started now.
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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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With PolicyHub getting started is easy. Compare all the Universal Life Insurance rates from all the providers in Overland Park, KS. 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
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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 Overland Park, KS.
Frequent Questions...
Universal Life Insurance policies in Overland Park, KS usually last for the entire lifetime of the policyholder or as long as premiums are paid. Generally speaking, most policyholders will maintain the policy throughout their lifetime so that their family members or beneficiaries are able to receive the death benefit upon their passing. However, in some cases the policyholder can terminate the policy anytime without any penalty.
For whom are universal life insurance quotes in Overland Park most suitable?
Universal Life Insurance is especially well-suited to those living in Overland Park, KS that need a flexible, long-term mortgage or estate-planning solution. This type of insurance offers permanent, lifelong coverage, but you can also adjust the benefits at any time throughout the life of the policy. Universal Life insurance also offers living benefits, such as the ability to borrow against the policy or access the cash value when needed.
Can I get a universal life insurance policy Overland Park if I have health issues?
Yes, you can get a policy in Overland Park, Kansas even if you have health issues. Here in Overland Park, many health insurance companies specialize in providing plans to those with pre-existing conditions. Such policies provide excellent coverage and are not as expensive as one might think. Ultimately, you'll be able to select the policy that best meets your personal needs and budget. Additionally, some employers may offer plans through their company that will provide additional cost savings.
With universal life insurance near Overland Park, can I increase or decrease my premium amount after the policy starts?
Yes, you can adjust your premium amount after your policy starts. Depending on the insurer, there are a variety of ways you can do this in Overland Park, KS including filing an endorsement, changing your deductible, or requesting a modification. You can also adjust the coverage for certain aspects, such as opt-in/opt-out riders to add more protection and save on premium. To find out more specifics, contact your local insurance agent or the insurer directly.
What investment options are available for the cash value component after my universal life insurance quote Overland Park?
Investing the cash value component of an insurance policy can seem overwhelming but there are several options available. In Overland Park, Kansas, there are a variety of options that can be tailored to your individual needs, such as fixed or indexed universal life insurance, real estate, stocks, bonds, mutual funds, exchange-traded funds (ETFs), etc. A financial advisor can work with you to create a portfolio with the right mix of investments to potentially maximize your return.
Generally speaking, the death benefit of a life insurance policy is determined by the policyholder's age, health, and coverage amount they are eligible for in their chosen plan. Many of the life insurance companies in Overland Park, KS, such as Mutual of Omaha, have smart phone applications that can help you determine which policy is right for you and the amount of the death benefit. By accurately filling out the application, you can determine the amount of coverage you qualify for and the associated death benefit.
What is the maximum amount I can borrow from universal life insurance policies near Overland Park?
Overland Park, KS residents who are looking to borrow from their policy should first understand their policy’s maximum borrowing limit, as it can vary. For example, if your policy is term life insurance, the amount you can borrow from it may be limited. Generally, the borrowing limit can be up to the amount of the policy’s face value but it can be lower for some policies. Additionally, regulations and laws in Overland Park, KS could affect the borrowing amount.
What is the process for surrendering my universal life insurance in Overland Park?
In Overland Park, KS, surrendering a universal life insurance policy is a straightforward process. The policyholder will first need to contact their insurance representative and submit a surrender request. The representative will then assess the remaining cash value of the policy and provide the policyholder with options for the surrender. When surrendering a universal life insurance policy, the policyholder will receive the remaining cash value and, depending on the policy, could be subject to early termination fees. Ultimately, the insurance representative will provide any necessary information to help the policyholder complete the surrender process.
How do management fees affect my cash value growth with my Overland Park universal life insurance policy?
In Overland Park, KS, management fees are a key factor in the growth of your cash value. Professional management fees are typically charged annually and deducted from the cash value balance. Fees are used to pay for the day-to-day administrative costs and expenses incurred in running the program. The amount of management fees vary depending on the qualifications of the person managing your cash value and the complexity of the investment return. Higher fees reduce your cash value growth, while lower fees enable more money to be available for return on investment. It's important to consider management fees against the total return rate.
Is it possible to merge or split a universal life insurance policy with the average Overland Park universal life insurance company?
Yes, it is possible to merge or split a Universal Life Insurance policy within Overland Park, KS. Depending on your particular policy and your current financial situation, a qualified advisor can counsel you on your best options for merging or splitting the policy. Generally speaking, a policy can be split or merged with another policy to share risk and/or balance out payments and premiums. Merging or splitting a policy can come with unique tax implications, so it's important to be sure to consult with a qualified financial advisor who can provide advice that is specific to your situation.
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