Compare over 37 Universal Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Piqua, OH 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 Piqua, OH. 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 Piqua, OH.
Frequent Questions...
Piqua, OH residents may find that universal life insurance is an appealing choice because of its flexible benefits. It typically offers a longer term of coverage than term life insurance and the ability to build cash value, unlike most term policies. With universal life insurance, policyholders can also adjust their premiums when necessary and access their existing cash values to make additions to their policy. Furthermore, universal life insurance includes a death benefit, so policyholders can also enjoy the peace of mind knowing that their beneficiaries will receive a lump-sum payment upon their passing.
For whom are universal life insurance quotes in Piqua most suitable?
Universal Life Insurance is a great fit for those who live in Piqua, OH, and beyond who are looking for a flexible, safe way to protect their family in the event of premature death. It offers the ability to customize coverage to your personal needs, with the option to adjust premiums and death benefit amounts as life changes occur. Additionally, a portion of each premium payment may be directed to a cash value account, accumulating tax-deferred interest.
What features make a universal life insurance policy Piqua unique compared to other life insurance products?
Universal Life Insurance in Piqua, OH is unique because it offers policy holders the ability to adjust their premium payments, death benefit amounts and investment choices to suit their needs. The premiums are flexible and can be changed to meet situations that arise, such as lifestyle changes, financial issues or increased mortality risk. As opposed to other life insurance products, policy holders can also adjust their death benefits depending on their current needs, which enables them to maximize their life insurance coverage.
Can I alter the frequency of my premium payments with universal life insurance near Piqua?
In Piqua, OH, it may be possible to alter the frequency of your premium payments, depending on the type of policy you have. You should contact your insurance provider to confirm if frequency changes are allowed and to discuss the different options available. It is important to keep in mind that changing the frequency of premium payments may result in changing the total amount due each year, as well as a possible change in coverage benefits and requirements. Your insurance provider should be able to answer any questions and help you make the best decision for your individual needs.
What investment options are available for the cash value component after my universal life insurance quote Piqua?
In Piqua, OH, there are a variety of investment options available for the cash value component of your policy. From fixed annuities to mutual funds and additional markets, you can find a diversified portfolio that matches your financial goals. The Ohio Insurance Company can help you find the right balance of securities to match your risk tolerance and attract higher returns. With the help of their investment advisors, you can review professional portfolio management, discuss strategies for tax-deferred growth, and create a comprehensive investment plan.
The death benefit of your policy is determined through careful consideration of your specific situation in the context of Piqua, OH. It takes into account factors such as your age, health, lifestyle, and local insurance market conditions. Additionally, potential payout amounts may vary based on the type of policy and the amount of coverage you have selected. To determine the exact death benefit available to you in Piqua, OH, contact a qualified insurance agent for more details.
How do I take a loan against universal life insurance policies near Piqua?
If you are located in Piqua, OH and are looking to take a loan against your policy, you may find a variety of lenders in the area that can help. It is important to understand the terms and conditions of the loan before agreeing to any agreement, and to make sure that the lender is licensed properly. Additionally, the amount of the loan to be taken against your policy will depend on various factors such as the policy type, its current value, and any existing interest rate. Most lenders will also require you to provide proof of income and make a down payment.
What is the process for surrendering my universal life insurance in Piqua?
If you are looking to surrender your universal life insurance policy in the Piqua, OH area, the first step is to contact the agent/agency that sold you the policy. They will be able to provide you with the details and paperwork needed to submit the surrender request. Once you have gathered all the necessary documents, you will be able to turn them in to the agent for processing. They will review your documents and submit your surrender requests for approval. Once approved, your insurance company will forward any money which is due to you and terminate the policy.
How often will I be charged fees for my Piqua universal life insurance policy?
In Piqua, OH, fees are typically charged on a monthly basis. However, you should always check with the specific institution or company you pay the fees to in order to receive the most accurate answer about the actual frequency of charges, as this is likely to differ on a case-by-case basis. Additionally, it is possible that certain fees may be billed at a frequency other than monthly such as quarterly or annually. It is important to make sure you understand the fee structure and how often you will be expected to pay, to avoid any confusion or surprise costs.
How can I adjust the terms of my policy through my Piqua universal life insurance company?
After a policy has been issued, you can adjust the terms by contacting a licensed insurance agent in Piqua, Ohio. The agent will be able to review your policy and explain the different options available for adjusting your policy terms. They can also give you a better understanding of the restrictions in each adjustment option, so you can make an informed decision regarding adjusting your policy terms. Your policy might also require you to submit a formal written request with an explanation of why you want to adjust the terms.
Compare Piqua, OH 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