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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 Slidell, LA. 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 Slidell, LA.
Frequent Questions...
Universal Life Insurance is an attractive option for many citizens of Slidell, LA due to its flexible premium payments and death benefit options. Unlike other types of life insurance, the death benefit and cash value of a universal life policy varies based on the performance and value of an underlying investment portfolio managed by the insurance company. Additionally, a policy holder has the flexibility to adjust yearly premiums and can even skip payments in the future if desired, while still maintaining the coverage.
What are the potential risks associated with universal life insurance quotes in Slidell?
In Slidell, LA, one of the main potential risks associated with a universal life insurance policy is that it can be vulnerable to changes in interest rates. If the rates decrease, the cost of the policy could significantly increase. Additionally, if funds are withdrawn from the policy, there may be surrender charges or taxes that could apply, decreasing the policy's cash value. In some cases, the policy could even become completely depleted if sufficient funds are not added back in. Furthermore, certain policy riders could be beneficial, but could also become costly if purchased.
How can the cash value in my universal life insurance policy Slidell grow over time?
In Slidell, LA, there are a variety of options that can help the cash value of your policy grow over time. One way is to invest in a mutual fund or CD (Certificate of Deposit) account and use the proceeds to add to your policy's cash value. Other options include investments with the assistance of a financial advisor who can help you select funds that make up a diversified portfolio. Additionally, you could opt for an annuity contract or purchase options such as variable or indexed universal life insurance.
With universal life insurance near Slidell, are there any penalties for not paying premiums?
In Slidell, LA, there are penalties for failure to pay premiums on time. Generally, the consequences can include the addition of a late fee onto the premium payment, a policy's cancellation, or the non-renewal of a policy. If your policy is cancelled or non-renewed due to failure to pay a premium, it can result in a lapse in coverage and difficulty in obtaining insurance at a later date. For this reason, it is generally recommended that premiums be paid in a timely fashion. Understanding your individual policy provisions is essential for succeeding in avoiding such penalties.
How often is interest credited to the cash value in my universal life insurance quote Slidell?
Interest for cash value in Slidell, LA is credited on an annual basis. Depending on the policy, interest is typically credited on either a fixed or flexible rate schedule, or a combination of both. Fixed rate policies typically earn a predetermined rate of return each year regardless of the market performance, while flexible rate policies allow the cash value to potentially grow at higher rates than those offered by fixed rate policies when the overall market performance is strong.
Yes, you may be able to increase the death benefit later in the policy's life, although it will depend on your specific situation. In Slidell, LA, most life insurance providers allow for policyholders to review their existing coverage and adjust it when the need arises. As long as you have sufficient financial resources and are up to date on your premium payments, increasing the death benefit of your policy is possible. Some providers may also offer additional options that can be used to enhance the death benefit of an existing policy, such as riders, as well as one-time or periodic premium payments.
How do I take a loan against universal life insurance policies near Slidell?
If you're in Slidell, LA, and wanting to take out a loan against your policy, one of the best resources would be to consult a trustworthy financial advisor. A financial advisor can assess your individual financial situation and determine if taking out a loan against your policy is the right choice for you. They can also help you navigate the process of taking out the loan and ensure that your policy meets all of the state and federal regulations. Before deciding to take out a loan against your policy, it's important that you understand all of the long-term ramifications, as well as the tax implications.
How is the surrender value calculated with my universal life insurance in Slidell?
The surrender value of an insurance policy in Slidell, LA is calculated based on factors such as the type of policy, the length of ownership, the current cash surrender value, and the amount of premiums paid. Generally, a surrender value reflects only a portion of the total premiums paid, as it may be lower than the original purchase price. If you surrender the policy, your insurance company will reimburse you the surrender value minus any applicable charges or fees. Speak to your insurance agent to ascertain the exact surrender value of your policy.
What types of fees are associated with my Slidell universal life insurance policy?
In Slidell, LA, the types of fees associated with a universal life insurance policy vary by provider but typically include policy maintenance fees, mortality & expense fees, policy loan fees, and any applicable government or state fees. Policy maintenance fees may include annuity charges, invoice processing, and administrative expenses. Mortality & expense fees help pay for the cost of insurance and rate of return guarantees. Policy loan fees provide financing for borrowing against your policy, while the applicable government or state fees are related to the compliance of this type of life insurance policy.
Is it possible to change my premium payment schedule with my Slidell universal life insurance company?
Yes, it is possible to change your premium payment schedule if you live in Slidell, LA. Changing your premium payment schedule can easily be done by contacting your insurance provider directly. Your provider will be able to discuss payment options and possibly even provide payment plans or other options to help make your premiums more affordable. Additionally, if you qualify, you may be eligible for subsidies or credits under the Affordable Care Act which may reduce your overall monthly premiums. It's always best to speak with your provider for the most up-to-date information based on your current situation.
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