Compare over 37 Universal Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Port St. Lucie, FL 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 Port St. Lucie, FL. 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 Port St. Lucie, FL.
Frequent Questions...
Universal life insurance is a form of life insurance coverage available in Port St. Lucie, FL that offers a combination of permanent and term life insurance protection. It offers policyholders the ability to adjust their premiums and death benefits as their needs change, while providing a potential savings option as well. With universal life insurance, there is a cash value that accumulates on a tax-deferred basis where policy holders can borrow against or even withdraw funds subject to certain restrictions, giving them more flexibility in their policies.
For whom are universal life insurance quotes in Port St. Lucie most suitable?
Universal life insurance is a great choice for individuals in Port St. Lucie, FL looking for flexible life insurance protection with the potential for cash value accumulation. It offers a permanent coverage solution with the potential to increase or decrease the premium and death benefit, while building a modest cash accumulation over time. By contrast to term life, universal life insurance maximizes the client’s ability to adjust their premium and death benefit based on their changing needs throughout their life. Universal life can also be designed to provide a guaranteed death benefit up to certain age.
What features make a universal life insurance policy Port St. Lucie unique compared to other life insurance products?
Universal life insurance is unique compared to other life insurance products in that it provides coverage that can be tailored to suit any person or family's needs in Port St. Lucie, FL. Unlike most other forms of life insurance, universal life policies provide flexible premiums, allowing the policyholder to adjust their premium payments to their current financial circumstance. This feature allows for the ability to increase the cash value of the policy, while providing an alternative to pure death benefit coverage.
How is a premium calculated for universal life insurance near Port St. Lucie?
The premium for a universal life insurance plan in Port St. Lucie, FL is typically based on several factors, such as age, location, health, and several other risk factors. These factors, in combination with your policy’s features, not only influence the cost of your premium, but can also impact how much coverage you can get. With most universal life plans, you can choose to pay a fixed or flexible premium, which can be adjusted to meet your needs. Your rate may also depend on any riders within your policy that can provide additional coverage and benefits.
What investment options are available for the cash value component after my universal life insurance quote Port St. Lucie?
In Port St. Lucie, FL, there are several secure investment options for the cash value component of a policy. These options may vary from insurer to insurer, but typically include treasury bonds, government agency bonds, certificates of deposit, or fixed or variable annuities. Some insurers may also offer indexed universal life insurance with an option to invest in stock and bond market funds. There may also be options to invest in mutual funds. It's important to compare the costs, potential returns on investment, safety and security of the investment alternatives before deciding which option best meets your needs.
Beneficiaries in Port St. Lucie, FL who need to claim the death benefit must contact the administering agency or the legal representative for the deceased responsible for dividing the assets. Beneficiaries may be asked for their Social Security number, legal identification and a copy of the will or other legal document proving they are entitled to the death benefit. There could be additional steps depending on the situation. For guidance in this process, the local government office in Port St. Lucie, FL offers assistance in navigating the varied and complex government regulations.
Can I repay a loan with the cash value from universal life insurance policies near Port St. Lucie?
Yes, in the City of Port St. Lucie, FL you can repay a loan with the cash value from your policy. For example, if you have a hybrid combination life insurance policy, you may find that the cash value of the policy will provide you with enough of funding to not only pay off the loan, but also keep some money aside for a rainy day. Additionally, the funds available from the cash value of the policy will not pay any penalties or taxes, so borrowers in Port St.
How is the surrender value calculated with my universal life insurance in Port St. Lucie?
Surrender value is determined based on the policies of the insurance company issuing the policy. In Port St. Lucie, FL, the surrender value calculation depends on factors such as the length of the policy, the premium payment history, and the type of policy, among others. Generally speaking, the longer the policy has been in effect, the more likely the policyholder will be able to access a higher surrender value. Insurance companies also consider the type of life insurance policy and how it has been performing when it comes to assigning a surrender value.
Are there penalties for excessive withdrawals from my Port St. Lucie universal life insurance policy?
It depends on your individual bank's policies, as each institution handles penalties differently. Generally speaking, however, there can be penalties associated with excessive withdrawals in Port St. Lucie, FL. Banks typically may levy fees for withdrawals that exceed the monthly or annual allotment in a savings account. Checking accounts may also levy fees for overdrafts or if your account becomes overdrawn several times in a month. If you are using an ATM or debit card to make a withdrawal, you may also be charged a fee by both your bank and the ATM operator for any excessive withdrawals.
How can I adjust the terms of my policy through my Port St. Lucie universal life insurance company?
After your policy has been issued in Port St. Lucie, FL, you have the option to contact your insurance provider to adjust the terms of your existing policy. Depending on your policy type, some terms can potentially be adjusted. To begin the process, you must contact your insurer to discuss the available options. Generally, a representative will ask you to provide the necessary details that will enable them to make the adjustments. After all the necessary adjustments are made by the insurer, you may be asked to sign onto a new agreement detailing the adjusted terms.
Compare Port St. Lucie, FL 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