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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 Phoenix, AZ 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 Phoenix, 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.
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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 Phoenix, AZ.
Frequent Questions...
Universal life insurance is an insurance policy that is designed to provide Phoenix, AZ, residents with long-term financial protection and flexibility. This type of insurance is different from traditional life insurance in that money is set aside in an account that earns interest. This money can then be used to adjust the premium payments, death benefit, and to cover any additional fees if needed. This type of policy allows for the flexibility, as mentioned, to adjust life insurance coverage over time, based on an individual's needs. As such, it is beneficial to those who may have changing insurance needs over time.
How do universal life insurance quotes in Phoenix compare with term life insurance?
Universal life insurance in Phoenix, AZ is a type of permanent life insurance that offers more flexibility and can often provide lifelong coverage, whereas term life insurance usually covers a fixed period, such as 10, 15, 20, or 30 years. Additionally, universal life policies typically accumulate cash value, which can be used in certain circumstances or withdrawn tax-free. This is generally not a feature of term life insurance. Depending on your circumstances, either type of coverage may be beneficial, but universal life insurance may be better for those who are looking for affordable lifelong coverage that can provide savings within the policy.
Can I get a universal life insurance policy Phoenix if I have health issues?
Absolutely, even if you have health issues you can still get a policy in Phoenix, AZ. Depending on your specifics, most insurance providers will have a range of standard health plans available to you. Additionally, you may be eligible for certain government assistance programs that could help you get subsidies on your insurance plan which could make it more affordable. It is recommended to confer with an experienced insurance agent who can help you navigate the various options available to you and determine the best way for you to acquire the appropriate coverage that fits your needs and budget.
How is a premium calculated for universal life insurance near Phoenix?
In Phoenix, AZ, universal life insurance premiums are typically calculated based on several factors such as your age, coverage amount, health history, lifestyle, and gender. Additionally, the cost of the premium can also vary depending on the type of policy you purchase, the number of years you decide to pay premiums, and any additional riders or modifications you add to the policy. All these factors determine the amount of money you will be paying each month for the policy. Your insurance agent can provide more insight and guidance if you need help understanding how universal life insurance premiums are calculated.
How often is interest credited to the cash value in my universal life insurance quote Phoenix?
Interest on the cash value of a traditional life insurance policy in Phoenix, AZ is typically credited on an annual or semi-annual basis. However, some policies may offer more frequent crediting of the interest due to the financial environment and market trends. When selecting a policy, it is important to read the policy contract so that you understand the exact frequency of interest crediting, as this can have a significant impact on the policy's performance over time.
The death benefit of your policy in Phoenix, AZ is determined based on your specific policy and the insurer's guidelines for the amount of coverage offered in the area. Generally, in Phoenix the death benefit will include the face value of the policy, any interest or dividends that have accumulated over the policy term, as well as any additional coverage that may have been purchased. If applicable, the insurer may also take into account the value of any premiums paid to the policy, such as those on behalf of a mortgage, disability benefits, or to extend the policy.
What is the maximum amount I can borrow from universal life insurance policies near Phoenix?
The maximum loan amount you can borrow from your policy in Phoenix, AZ is determined by several factors, such as the type of policy and its value. Generally, most policies will allow loan amounts up to the total value of the account, but there may be exceptions. You can contact your agent to learn more about the maximum loan amount you can take out from your policy in Phoenix, AZ.
Can I reinstate my universal life insurance in Phoenix after it lapses?
In Phoenix, AZ, reinstating a policy after it has lapsed depends largely on the specific policy and circumstance. Generally speaking, coverage can potentially be reinstated, but depending on the nature of the policy it may come at a higher rate than prior to lapsing. If the policy lapses for an extended period of time, reinstating the policy may not be an option in many instances. It is best to consult with your insurer directly to discuss your unique situation and options regarding reinstating your policy.
What types of fees are associated with my Phoenix universal life insurance policy?
In Phoenix, AZ, the types of fees associated with a universal life insurance policy typically include an annual policy fee, an administration fee, and a policy-level cost of insurance fee. Premiums may also be required. The policyholder may also need to budget for certain additional costs, such as a fee for extended coverage, an accelerated death benefit rider, and/or coverage for certain additional riders. In addition, if the policyholder chooses to increase the policy's coverage then additional fees could be incurred.
Is it possible to merge or split a universal life insurance policy with the average Phoenix universal life insurance company?
Yes, it is possible to merge or split a universal life insurance policy in Phoenix, AZ. A qualified insurance professional can help determine which options may be best for you and your specific situation. Depending on the policy, it may be possible to combine two existing policies into one larger policy or split an existing policy into two smaller policies. There are tax implications to merging or splitting a policy depending on the changes made, so it is important to speak to an expert to see which direction is best for you before making any changes.
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