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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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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.
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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 Sharonville, OH.
Frequent Questions...
Sharonville, OH residents may choose universal life insurance for its flexibility and low cost. Universal life insurance allows you to adjust the death benefit and premium to meet the changing needs of the insured and the beneficiaries. This type of policy accrues cash value and offers you the option to borrow against it for other expenses. Additionally, universal life policies have low expenses and low fees as compared to traditional life insurance policies. This can be beneficial for Sharonville residents who are looking for a more affordable life insurance option.
What are the main differences between universal life insurance quotes in Sharonville and whole life insurance?
The main difference between universal and whole life insurance policies available to Sharonville, OH residents is the type of coverage and benefits each policy offers. Whole life insurance is an insurance policy with guaranteed premiums and death benefits. The policyholder is also able to build equity in the form of cash values. On the other hand, universal life insurance offers more flexibility than whole life insurance as it combines permanent life insurance with an investment feature, allowing the policyholder to adjust the amount of premium they pay and the death benefit as well making it useful for short-term and long-term needs.
How can the cash value in my universal life insurance policy Sharonville grow over time?
Investing in a life insurance policy in Sharonville, OH, can be a great way to ensure your cash value grows over time. When you purchase a life insurance policy, you have the option to add riders and investments that can grow it even more. Adding an annuity rider can be beneficial as each premium payment is invested by insurance carriers, helping your cash value grow. Additionally, you may choose to invest a portion of your policy in stocks, bonds, and mutual funds through a separate account, allowing your policy to become shoer-term or long-term assets.
How is a premium calculated for universal life insurance near Sharonville?
Your universal life insurance premiums in Sharonville, OH depend on factors such as age and health history, among other components. Your payment plan will be based on the specific coverage and options you select that best suit your needs. Insurers may also evaluate other characteristics such as lifestyle, smoking history, and career when calculating your premium. Contact your insurer for any additional questions regarding your policy.
What investment options are available for the cash value component after my universal life insurance quote Sharonville?
In Sharonville, OH, investors looking for options for their cash value component have several options available. Local banking institutions, such as Fifth Third Bank, are a good choice for putting cash in savings or checking accounts with a variety of competitive rates. Additionally, investors have the option of investing in certificate of deposits (CDs) for greater return on investment potential. Investors may also be able to take advantage of Treasury securities, such as Treasury bills, notes and bonds.
In Sharonville, Ohio, if you have named a beneficiary for your death benefits, they will follow a specific process for claiming the benefit. To begin, the beneficiary must provide sufficient proof of their relationship to the deceased, such as a certified copy of the death certificate or a copy of the will. They will then need to provide identification, such as a driverβs license or passport, to the insurance company and any other relevant documents. The beneficiary will receive a confirmation letter that outlines the next steps of the claims process, such as completing additional forms and making any necessary payments.
How do I take a loan against universal life insurance policies near Sharonville?
If you reside in Sharonville, OH and are looking to take a loan against an existing policy, one of the best places to start is by contacting a local insurance broker. Your broker will be able to provide you with additional information on resources and possible loan terms. Alternatively, you could talk to your local bank or credit union to gather information on loan options. Do some research prior to your decision and shop around for the best offer. It is important to make sure you fully understand all the terms and conditions of the loan prior to signing any contracts.
Can I reinstate my universal life insurance in Sharonville after it lapses?
Yes, you can reinstate a lapsed policy in Sharonville, OH. After your policy has lapsed, a reinstatement period is granted, which gives you an opportunity to get coverage again without having to apply for a new policy. During this period, you will be required to pay the premium and any unpaid balances in full.Once the reinstated policy is effective, you will still be able to enjoy the full extent of coverage that was initially available, and you may be eligible for discounts or other special benefits.
With the average Sharonville universal life insurance policy, are there any transaction fees?
Sharonville, Ohio residents typically do not incur transaction fees when changing investment options. However, it is important to be aware of fees that may occur due to other factors, such as the type of account, the number of investment changes you make or the purchase or sale of shares. Most financial institutions located in Sharonville offer free consultations and reviews of your investments without incurring any transaction fees. Before making any changes to your investments, it is best to consult with a trusted financial advisor or directly with your financial institution to learn more about potential fees and how to minimize them.
Is it possible to merge or split a universal life insurance policy with the average Sharonville universal life insurance company?
Yes, it is possible to merge or split a universal life insurance policy in Sharonville, OH. Life insurance policies can be adapted to meet the changing needs of individuals, so it's important to review your policy regularly to ensure it is still appropriate for you. A financial advisor in Sharonville can help you to evaluate your current policy and make changes if necessary. Depending on your individual circumstances, these changes can be made through the addition or removal of riders, changes to the death benefit, or simply by adjusting the premiums to suit your budget.
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