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"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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"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 Prineville, OR. 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 Prineville, OR.
Frequent Questions...
Universal life insurance policies provided by insurers in Prineville, OR can last anywhere from one's entire lifetime to a predetermined date such as a retirement age. The date of expiration is specified in the policy contract. Universal policies are designed to offer lifelong protection, as the policy owners contributions are used to purchase new death benefit coverage each year, which can then be adjusted based upon the policyowner's wishes and needs. Ultimately, universal life insurance policies in Prineville, OR can provide the assurance you need to ensure your beneficiaries are financially taken care of beyond your lifetime.
What are the main differences between universal life insurance quotes in Prineville and whole life insurance?
Universal Life Insurance and Whole Life Insurance are two different types of life insurance policies available to citizens of Prineville, OR. Whole Life Insurance offers a fixed premium and a level death benefit amount, while Universal Life Insurance provides more flexibility by allowing you to adjust monthly premiums and death benefit amounts. Additionally, Universal Life Insurance can accumulate cash value over time, whereas Whole Life Insurance does not. Finally, Universal Life Insurance may also offer the ability to increase your premiums to help accumulate more cash value.
Are there any riders or additional benefits I can add to my universal life insurance policy Prineville?
Yes! When you purchase a policy in Prineville, OR, you can add riders and additional benefits to tailor it to your individual needs. Some of these might include a waiver of premium rider, which ensures your policy remains in force even if you become unable to make premium payments. You could also add a disability income rider, which will help you if you become disabled and need help replacing your lost income. Maybe you want to add an accelerated death benefit rider, which allows you to receive part of your death benefit if you're diagnosed with a terminal illness.
With universal life insurance near Prineville, are there any penalties for not paying premiums?
Yes, in Prineville, OR, failure to pay premiums carries a penalty. Depending on your plan, you may face a range of fines, an increase in the amount of premiums you need to pay, or a denial of services. Additionally, if you are being enrolled in a government-funded program like Medicare or Medicaid, failure to pay penalties could result in termination of your coverage. To avoid paying additional premiums or receiving fines, it's important to stay on top of required payments and reach out to your insurance provider if you're having trouble making them.
Is there a guaranteed minimum interest rate for the cash value of my universal life insurance quote Prineville?
Factors such as the economy, the stock market, and the insurance company's investment philosophy all play a role in determining interest rates in Prineville, OR. There is no guaranteed minimum interest rate, as this will vary and change over time. That said, the insurance company may guarantee a certain minimum rate on fixed index annuities for some period of time. It is important to read the policy and ask questions about interest rate guarantees in order to make an informed decision.
Yes, you can have multiple beneficiaries for your policy in Prineville, OR. Most insurance policies provide the option to designate multiple beneficiaries in the event of your death. It's important to consider the needs and wishes of your loved ones when creating a beneficiary list, so your beneficiaries receive exactly what you want them to. At Prineville Insurance, our experienced agents can help you choose and arrange a list of beneficiaries that works best for your family. You'll be able to update your beneficiary list and make changes at any time.
How does a withdrawal affect my death benefit and universal life insurance policies near Prineville?
Taking a withdrawal from your account can decrease the amount of death benefit you or your family may receive in the future. In Prineville, OR, getting the most out of your death benefit is vital to securing your long-term financial security. It is important to consult with an experienced financial advisor to ensure that you are not disproportionally impacting your death benefit when taking a withdrawal. Considering your current financial circumstances, a financial advisor can help you weigh your withdrawal options and decide if taking a withdrawal is the safest and most beneficial option for you.
What is the process for surrendering my universal life insurance in Prineville?
In Prineville, OR, surrendering your universal life insurance policy is a straightforward process, but it's important to understand the ramifications. First, contact your policy provider to discuss your surrender options. You may transfer the policy's cash value to a new policy, receive periodic payments, or receive a lump-sum payment. If approved, you will need to sign any necessary forms and return them to your provider. Once your policy lapses, or is canceled, you will no longer have life insurance protection.
What types of fees are associated with my Prineville universal life insurance policy?
Prineville, OR residents that purchase universal life insurance policies will typically face fees such as monthly policy charges, a cost for the life insurance coverage, and an administrative fee. There may also be extras such as fees for policy changes or riders. To ensure they are aware of all associated fees, Prineville, OR residents should review all policy documents carefully prior to signing their contracts. Additionally, inquiring with their insurance provider should help to ensure they understand all fees, including any additional fees, that might not be included under the policy documents.
How can I adjust the terms of my policy through my Prineville universal life insurance company?
After a policy has been issued, you should contact the insurance company with your request to change the terms of your policy. In Prineville, OR, you can contact us directly to discuss your insurance needs and make adjustments to your policy. In some cases, your policy may be updated immediately, but other requests may require paperwork and further investigation. We suggest calling us to discuss any proposed changes to make sure that you get the best coverage for your needs.
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