Compare over 37 Universal Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Pittsburgh, PA 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 Pittsburgh, PA. 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 Pittsburgh, PA.
Frequent Questions...
Universal life insurance in Pittsburgh, PA, is designed to last your entire life, so as long as you continue to pay the premiums, your policy will remain in effect. In addition, depending on the specifics of the policy, the length of the coverage does not have to remain constant as your needs evolve, you or your beneficiary may be able to adjust the term of the life insurance policy to best meet your needs.
What are the main differences between universal life insurance quotes in Pittsburgh and whole life insurance?
Universal and whole life insurance both offer long-term security and protection for families in Pittsburgh, PA; however, there are a few distinct differences. Universal life insurance offers a variable rate of return on savings, while whole life insurance is a set rate of return. Additionally, universal life insurance provides the flexibility of changing premiums if necessary, while whole life insurance premiums generally remain static. Lastly, universal life insurance tends to have a higher cash value than the same amount of a whole life premium; however, the policy matures much faster.
What features make a universal life insurance policy Pittsburgh unique compared to other life insurance products?
In Pittsburgh, PA, the unique features of universal life insurance make it an attractive option for those seeking life insurance coverage. Universal life insurance is a type of permanent life insurance that provides death benefit protection and accumulates cash value while offering flexible premium payments and death benefit amounts. Policy holders can make changes to premiums and coverage amount without needing to obtain new coverage. This feature makes it easier for the policy holder to make adjustments to their life insurance coverage over time. In addition, there are a variety of fund choices to help policyholders tailor their investments as their goals and needs change.
What are the consequences of late premium payments and universal life insurance near Pittsburgh?
In the city of Pittsburgh, late premium payments can have a variety of adverse consequences, such as an increase in premiums, a decrease in coverage or even policy cancellation if the policy holder is unable to make the payment on time. Penalties may also be imposed which can vary from insurer to insurer. Furthermore, the policy holder's credit score may be impacted negatively if premiums are not paid on time. It's important to pay premiums no later than the due date in order to avoid any negative consequences or legal action that could result from late payments.
What investment options are available for the cash value component after my universal life insurance quote Pittsburgh?
Pittsburgh residents have a variety of investment options available for their cash value component. The most common options are stocks, mutual funds, index funds, and exchange-traded funds (ETFs). Other popular investments could include bonds, money market accounts, real estate, and more. Depending on the individual's goals and risk tolerance, it's important to ensure you invest in a product or asset class that best suits them. To assist in making informed investment decisions and to ensure proper diversification, consulting a financial advisor is highly recommended.
Yes, you may be eligible to increase your death benefit later in the policy's life in Pittsburgh, PA if you meet certain criteria, such as passing an acceptable evidence of insurability. This means you would have to prove your current health meets the insurance carrier's standards, and based on the results, new underwriting could occur to adjust the death benefit. It's important to contact your insurance company to further discuss any and all details regarding an increase in the death benefit.
What is the maximum amount I can borrow from universal life insurance policies near Pittsburgh?
It depends on the policy you have in Pittsburgh, PA. Generally, the maximum amount you can borrow ranges from the full cash value available in the policy up to a certain percentage or dollar limit, depending on the terms of your policy. In some cases, you may even be able to borrow up to the face value of the policy. You should speak with a professional financial advisor to determine the exact limits associated with your particular policy.
How is the surrender value calculated with my universal life insurance in Pittsburgh?
In Pittsburgh, PA, the surrender value is calculated with consideration given to the policyholder's age, premium payment history, and policy length. Additionally, the market value adjustment and the cash value of the policy both factor into the surrender value. The sum of the policyholder's contributions up to the point of surrender, minus any fees or taxes that may apply, will be their total surrender value. The surrender value is determined by the insurer and varies based on the specifics of each policy but will typically be a portion of the total cash value including the surrender charge.
How do management fees affect my cash value growth with my Pittsburgh universal life insurance policy?
Management fees in Pittsburgh, PA can have a direct impact on your cash value growth; however, the level of impact depends on the insurer. Responsible insurers may try to balance costs with long-term growth potential, but always be sure to review the fees before investing. Fees like death benefits, riders, or administrative improvements can have an impact on cash value growth, so be sure to do your research and analyze the total costs before investing. Each insurerโs fees may be unique, so itโs important to understand your policy options before making an informed decision.
Is it possible to change my premium payment schedule with my Pittsburgh universal life insurance company?
In Pittsburgh, PA it certainly is possible to change your premium payment schedule. The options you may have to alter your schedule will depend on the insurance provider. You can contact your insurance provider directly to inquire about the options available and to determine if a different schedule is possible. In some cases if you are in the early days of your policy you may even be able to change the start date of your policy if it is advantageous to you. An insurance professional in Pittsburgh, PA will be able to answer any further questions you may have and guide you through the process.
Compare Pittsburgh, PA 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