Taking too long? Close loading screen.
Compare over 37 Universal Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 St. Petersburg, 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 St. Petersburg, 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 St. Petersburg, FL.
Frequent Questions...
Universal life insurance is an attractive option for St. Petersburg residents looking for a flexible policy. It provides long-term, permanent life coverage that accumulates a cash value which the policyholder can use to offset some of the cost of the insurance, or withdraw from it in case of need. The cash value growth of the policy is based on a predetermined interest rate that can be tailored to the needs of the policyholder. A policyholder can adapt their premiums and benefit levels to their changing needs and circumstances.
How do universal life insurance quotes in St. Petersburg compare with term life insurance?
Universal life insurance is a popular type of life insurance policy that offers advantages to St. Petersburg, FL, residents. Compared to term life insurance, universal life insurance offers more flexibility, such as the ability to adjust premiums and the potential to build cash value, which allows policyholders to access more funds should the need arise. Additionally, there is no defined maturity date, meaning the coverage is permanent and can remain in effect regardless of how long you live. Lastly, premiums are often lower than those of term insurance. Universal life insurance is a great choice for St.
How can the cash value in my universal life insurance policy St. Petersburg grow over time?
Investing in a life insurance policy in St. Petersburg, FL can provide long-term growth opportunities to increase the cash value of your policy. The cash value can be used to pay premiums and access funds, and can even earn dividends and fixed interest rates that are favorable in comparison to other investments. Other smart ways to increase the cash value of your policy are to set up a system of regular premium payments and utilize the power of compounding to maximize potential returns.
With universal life insurance near St. Petersburg, are there any penalties for not paying premiums?
In St. Petersburg, FL, all health insurance policies come with a set of contractual responsibilities. If a premium isn't paid, the policyholders may face severe consequences. Depending on the policy, the insurer may choose to end the policy and demand full payment of past due premiums. Additionally, in certain cases, policyholders may also be subject to other penalties, such as interest for the payments that were never made, and the debt may be sent to the collection agency. Therefore, it is highly advised that policyholders keep up with their payments and make sure premiums are paid in a timely manner.
How often is interest credited to the cash value in my universal life insurance quote St. Petersburg?
Interest credited to the cash value in St. Petersburg, FL is generally credited annually. However, some insurance policies allow interest credits to take place more than once a year, either quarterly or monthly. Speak with your local insurance provider to determine when interest is credited for your individual policy. In some cases, policyholders may be able to choose the frequency of interest crediting.
Yes, you can typically increase the death benefit later in the policy's life if you are in the St. Petersburg, FL area. To do so, you will need to contact your life insurance provider and discuss your options. Depending on the provider, you may be able to take out a rider to increase the death benefit or purchase a whole life insurance policy. Your provider can explain different options based on what works best for your individual circumstances.
Can I repay a loan with the cash value from universal life insurance policies near St. Petersburg?
In St. Petersburg, Florida, it is possible to use the cash value from an insurance policy to repay a loan. Most insurance policies have a cash value attached, which can be used in the event of a financial emergency. However, it is important to be mindful that if you use the full amount of the cash value to repay the loan, the policy may no longer have sufficient coverage. Therefore, it is best to consult your insurance agent to determine the terms of the policy before using any of the cash value towards loan repayment.
Can I reinstate my universal life insurance in St. Petersburg after it lapses?
Yes, you can reinstate a policy that has lapsed in St. Petersburg, Florida, if you meet certain requirements. Generally, insurance companies require that the policy is reinstated within 30 days of the policy's lapse and, if that is the case, the coverage will start as if you never had a lapse. However, depending on the company, you may need to pay additional late fees and penalties associated with the lapsed policy. In order to reinstate the policy, you will need to call your insurance provider to discuss your renewal options and any additional fees associated with reinstating the policy.
Are there penalties for excessive withdrawals from my St. Petersburg universal life insurance policy?
In St. Petersburg, FL it is ultimately up to the financial institution to determine any excessive withdrawal penalties, so it is hard to give a definitive answer. Generally speaking, frequent or large withdrawals are usually subject to penalties, but the exact specifications and amounts can vary. In addition, it is important to be aware of any minimum balance requirements that may be in place, and any associated fees if the balance falls below the specified amount. It is in the best interest of an individual to consult with their chosen financial institution if there are any questions relating to withdrawals or fees.
How can I change the beneficiaries on my policy with my St. Petersburg universal life insurance company?
To change the beneficiaries on your policy in St. Petersburg, FL, you will need to contact your insurance provider and complete the necessary paperwork to make the switch. Depending on the company, they may require you to fill out and submit a beneficiary designation form. It is important to always double-check with your provider to make sure all steps are taken care of before the old beneficiary is released and the new one is applied to the policy. Additionally, be sure to keep track of any paperwork you sign or contracts you agree to that intervene in the process.
Compare St. Petersburg, 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
