Compare over 37 Universal Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Payson, AZ 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 Payson, AZ. 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 Payson, AZ.
Frequent Questions...
Universal life insurance provides protection to those who live in Payson, AZ and allows them to customize their insurance plan to suit their needs. It provides a predetermined death benefit that can be adjusted anytime, depending on the policyholder's changing needs. This policy also allows policyholders to customize their premium payment as well as investment portion, which accumulates cash value over time, enabling policyholders to access the cash value for retirement, college funding, or an emergency.
How should I evaluate if universal life insurance quotes in Payson fits my financial goals?
Evaluating if universal life insurance fits your financial goals in Payson, AZ should take into consideration your current lifestyle needs, future retirement possibilities, and long-term objectives. It's important to review the budget to determine the amount of premiums that can be collected each month, as well as the coverage funds that will be available to meet your family's needs in the event of an unexpected death or disability. Additionally, it's equally important to examine the different policy options available, including any riders, and to weigh the short-term versus long-term benefits of each.
Are there any riders or additional benefits I can add to my universal life insurance policy Payson?
Absolutely! Payson, AZ is a great city that offers tons of features that can be added to your policy. You can add towing coverage, rental car coverage, road side assistance, higher liability limits, and even uninsured and underinsured motorist coverage. By taking advantage of these additional benefits, you can ensure that your policy covers all of your specific needs. Make sure to review your policy and speak to your insurance agent to find out which coverage items are right for you.
How is a premium calculated for universal life insurance near Payson?
The universal life insurance premium for Payson, AZ is calculated based on the age, gender, and health of the insured and the amount of coverage and riders they choose. Providers may also take into account factors such as the insured's occupation, hobbies, and lifestyle. Generally, the higher the risk, the higher the premiums. Premiums may also depend on how the policy is structured, such as with a side fund that accumulates to increase the death benefit or pays a living benefit while the insured is still alive, and whether a cash value account is involved.
Are there any limits to the cash value growth in my universal life insurance quote Payson?
In Payson, AZ, the cash value of an investment may be limited. Depending on the type of investment, specific limits may apply in terms of the amount or rate of growth. For example, bank accounts or certificates of deposit may have predetermined limits to the amount that can be earned in interest. If you are investing in stocks or bonds, there may be restrictions on how much the company can grow. Therefore, it is important to do your research and understand any specific limits that may be in place for the investment you are considering.
The death benefit of a life insurance policy in Payson, AZ is typically determined by a few factors. These include the amount of coverage purchased, the age of the insured individual at the time of the policy's purchase, the type of policy chosen, and the health of the policyholder at the time of purchase. The amount of premiums paid, the cash value of the policy, and any riders or endorsements added to the policy can also affect the death benefit of the policy.
Can I repay a loan with the cash value from universal life insurance policies near Payson?
In Payson, AZ, you may be able to use the cash value from your policy to repay a loan, depending on the type of loan you have. Generally speaking, personal loans, auto loans, mortgages, and other consumer loans are not able to be repaid with the cash value from a life insurance policy. However, it's worth contacting the loan provider as some may accept life insurance policy cash values as repayment.
How is the surrender value calculated with my universal life insurance in Payson?
Surrender value in Payson, AZ is the amount of money an insured person can receive upon terminating a life insurance policy. It is calculated based on the factors such as how long the policy holder has had the policy, the value of the insurance premiums, the applicable interest rates, cash values that have been accumulated, and company policies regarding surrender charges. Depending on the type of policy, surrender values can be higher or lower than the cost of the premiums that have been paid into the policy. In general, surrender values are actually a percentage of the policyβs present state.
With the average Payson universal life insurance policy, are there any transaction fees?
Payson, AZ is located in Gila County, and Gila County's Investment Pool does not charge any transaction fees for changing investment options. Therefore, the answer to the question is no, there are no transaction fees for changing the investment options in Payson, AZ. However, it's important to note that while there are no transaction fees for changing investment options, other administrative fees may apply when changing the investment portfolio. If you have any questions about the fees associated with changing investment options, please contact the Gila County Investment Pool directly for more information.
Is it possible to change my premium payment schedule with my Payson universal life insurance company?
Yes, it is possible to change your premium payment schedule in Payson, AZ. Depending on the type of policy you have, there may be options to restructure your premium payment schedule that would better align with your financial situation. Our experienced team of agents at Payson Insurance can assist you with understanding these options to help you find the payment schedule that works best for you. It is important to note that changing your premium payment schedule may alter the amount you pay and could extend the length of your policy payments.
Compare Payson, AZ 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