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With PolicyHub you get to compare over 37 Sartell, MN Universal Life Insurance policy providers in as little as 15 minutes. Save time. Save big. Get started now.
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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 Sartell, MN. 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 Sartell, MN.
Frequent Questions...
Universal Life Insurance is an affordable and flexible form of permanent life insurance designed to meet the needs of clients in Sartell, MN. It allows the holder to adjust their premiums, death benefit and other elements as their needs and lifestyle change over time. With universal life insurance, the policy holder pays premiums on a regular basis, and any unused portion of that premium is invested in the policy's cash value. When death benefits are paid out, all cash values from the policy are also distributed.
What are the main differences between universal life insurance quotes in Sartell and whole life insurance?
Universal life insurance and whole life insurance have a few differences. Universal life insurance is more customizable than whole life insurance as it allows you to adjust your coverage amounts and payments. Whole life insurance builds cash value as you pay your premiums, whereas universal life insurance accumulates tax deferred cash value. Whole life insurance is designed to provide lifetime coverage while universal life insurance stays in force as long as the premiums are paid. Ultimately, the choice of which type is right for you is specific to your needs and circumstances.
Does the flexibility of a universal life insurance policy Sartell benefit policyholders?
Universal life insurance provides policyholders in Sartell, MN with the ultimate in coverage flexibility, allowing them to adjust their premiums and coverage amounts based on their current needs. Furthermore, universal life insurance policies are a form of permanent life insurance so the death benefits are guaranteed and the cash value of the policy will never fall below the policy's current cash value regardless of any outstanding premium payments made. This flexibility allows policyholders in Sartell, MN to adjust the monthly amounts of coverage as their needs change throughout their life, giving them the financial peace of mind knowing their loved ones are protected.
How is a premium calculated for universal life insurance near Sartell?
The premium amount for a universal life insurance policy in Sartell, MN, is calculated based on a variety of factors, such as age, gender, health, and lifestyle. Your insurer will also take into account the amount of coverage you need and the type of policy you purchase. Premiums for universal life insurance policies may be paid in a single-premium, including cash value, or on an annual or monthly basis. Certain riders may be available at an additional cost or included in your policy, depending on your specific coverage needs.
What investment options are available for the cash value component after my universal life insurance quote Sartell?
In Sartell, MN, there are various investment options available for the cash value component. For instance, you may consider a traditional life insurance policy that includes an investment component. Such policies offer a guaranteed death benefit, as well as access to the policy’s cash value through loans, withdrawals, and a variety of financial strategies. Additionally, many insurers offer different investment options associated with the policy, such as guaranteed interest accounts, non-guaranteed variable accounts, and certain index-based options.
Yes, if you live in Sartell, MN you have the possibility to have multiple beneficiaries for your policy. Depending on your insurer's guidelines, it is possible to assign multiple people to receive benefits in the case of your death. It is critical that you define the share of which each person will receive, in order to avoid any conflicts in the case of an unfortunate event. Remember that you can always review or change your beneficiaries and you can do this free of charge at any time with the help of your local agent.
What is the maximum amount I can borrow from universal life insurance policies near Sartell?
The maximum borrowing amount from your policy will depend on a few factors such as your age, policy type and underlying cash value. If you're a resident of Sartell, Minnesota, you may be eligible to borrow around $70,000 from your policy, although this amount could be even higher depending on the policy and your circumstances. Additionally, be aware that any loans you take out against your policy will reduce its cash value and may impact any death benefits your family may receive in the future.
Are there any penalties for surrendering the universal life insurance in Sartell early?
Surrendering your policy in Sartell, MN early could involve additional penalties. You should carefully consider your decision regarding early surrender and be aware of the financial repercussions it may cause. Generally, if you surrender the policy at any time before it matures, you may lose a portion of the cash value, including any unearned premiums you’ve already paid in. Furthermore, any cash value associated with the policy may be subject to income taxes, and you may be required to pay any applicable state or federal taxes due on the cash value.
What types of fees are associated with my Sartell universal life insurance policy?
In Sartell, Minnesota, fees associated with a universal life insurance policy can vary depending on the individual policy. These fees may include monthly, quarterly, or annual premiums, administrative fees, and surrender charges. Additional fees may apply depending on the age of the insured and policy features, such as if there is an investment component or an additional rider. It is important to make sure you have a full understanding of the fees associated with your policy before signing a contract.
Is it possible to change my premium payment schedule with my Sartell universal life insurance company?
Absolutely! Sartell, MN is known for its great customer service and that includes helping you understand how to best use your premium payments. Our team of experienced insurance professionals can work with you to determine a premium payment schedule that works best for your needs. We can also offer flexible payment options to ensure you're able to stay on track. Ultimately, it's all about finding the right solution for you in Sartell. Reach out and we can discuss the best path forward.
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