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With PolicyHub you get to compare over 37 Struthers, OH Universal Life Insurance policy providers in as little as 15 minutes. Save time. Save big. Get started now.
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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
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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 Struthers, OH. 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 Struthers, OH.
Frequent Questions...
Universal life insurance is an effective way of providing financial protection for your family in Struthers, OH. This type of policy offers flexible policy coverage as well as differing levels of premium payments that may be adjusted depending on your financial needs. It also provides flexible death benefits, as well as cash value that can help you bridge financial gaps for unexpected expenses. With universal life insurance, you will also have the opportunity to adjust the way you pay your premiums, whether it be quarterly, monthly or annually, providing the ultimate in financial flexibility.
What are the potential risks associated with universal life insurance quotes in Struthers?
In Struthers, OH, the potential risks associated with universal life insurance can include exposure to changes in the economic environment, including interest rate changes and stock market changes, increasing costs of insurance, and decreased flexibility in policies. In addition, some universal life policies may lack liquidity, meaning that the policy holder may not have easy access to the cash value in the case of an emergency. Moreover, there are risks associated with taking out more life insurance coverage than is needed, as the premiums will become more expensive over time.
Are there any riders or additional benefits I can add to my universal life insurance policy Struthers?
Absolutely! At Struthers, OH, there are plenty of riders and additional benefits you can add to your policy in order to give yourself the most comprehensive coverage. Riders are additional options you choose that provide enhanced protection and extend the limits of your current policy. These could include a variety of things such as additional life insurance coverage, disability income coverage, critical illness coverage, accidental death coverage, and more. Additionally, you can look into additional benefits such as premium discounts, policy renewal options, and identity protection.
With universal life insurance near Struthers, can I increase or decrease my premium amount after the policy starts?
Yes, after your policy in Struthers, Ohio has started, you may increase or decrease your premium amount. Typically, if you've enrolled in a policy that has a set premium and you'd like to change that amount, you must contact your insurance carrier for more details on how to increase or decrease the premium payments. While some carriers may allow you to make changes to your policy online, other carriers may require that you contact them directly. Every carrier has different guidelines for making such changes, so be sure to contact them to learn more about what option is available to you.
When I get a universal life insurance quote Struthers, how is the interest on the cash value determined?
The interest rate on a cash value in Struthers, Ohio is based on several factors. These include the type of cash value policy you have purchased, the amount of the cash value, and the overall performance of the insurer. Generally, the higher the cash value, the higher the interest rate. The insurer usually bases the interest rate on current market conditions, the number of policies in the portfolio, and the claims experience history. Struthers, Ohio Cash Value policies may also be linked to certain indices or markets, so the interest rate can vary depending on the market performance at that time.
Absolutely! Residents of Struthers, OH who have purchased a permanent life insurance policy have the option to increase their death benefit later in the policyβs life. This is great news for policyholders in Struthers, OH as it offers an opportunity to grow the value of the policy even after it has been purchased. It also gives individuals the opportunity to include their changing needs and financial plans when making decisions about their life insurance policy. Increasing your death benefit is just one of the many benefits of permanent life insurance.
Can I repay a loan with the cash value from universal life insurance policies near Struthers?
Yes, you can repay a loan with the cash value from your policy, however this depends on the policy type and should be discussed in detail with a professional. At Struthers, Ohio's insurance and financial service provider, we offer advice on how to best make the most of the cash in your policy and how to apply it to your loan. With a knowledgeable financial advisor, you can determine if the cash value of your policy is right for you. We also provide other options which may be more beneficial to you in addition to using the cash value in your policy.
How long do I have to reinstate a lapsed universal life insurance in Struthers?
Customers in Struthers, OH that choose to reinstate a lapsed policy have thirty (30) days from the date that the policy lapsed in which to complete a reinstatement application with payment. If a policy lapsed before June 1st, 2019 then any reinstatement within six (6) months from the lapse date of the policy may be accepted at the company's discretion. However, if the policy lapsed on or after June 1st, 2019, only reinstatements within the thirty (30) day period will be accepted.
With the average Struthers universal life insurance policy, are there any transaction fees?
Struthers, OH residents will be pleased to hear that there are no transaction fees for changing their investment options. At Struthers City Bank, we understand that our customers may need to adjust their investments from time to time and have designed our fees to reflect that. In addition, we provide free financial counseling services in our branch to ensure that our customers are making the right decisions for their individual circumstances. Ultimately, our goal is to make sure that our valued clients in Struthers, OH are making informed choices with their hard-earned money.
How can I change the beneficiaries on my policy with my Struthers universal life insurance company?
To change the beneficiaries on your policy in Struthers, OH, you should contact your insurance provider and request to make changes to your policy documents. A customer service representative at your provider should be able to provide you with further instructions on how to update your policy beneficiaries. You may need to fill out additional paperwork and submit it to your provider before the changes can be made. It is important to note that the policy beneficiaries should be chosen carefully, as they are the ones that will receive any benefits you designate.
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