Compare over 37 Universal Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Summerlin South, NV 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 Summerlin South, NV. 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 Summerlin South, NV.
Frequent Questions...
Universal life insurance in Summerlin South, Nevada, typically lasts until the policyholder reaches age 121, or when the policy's cash value is exhausted, whichever comes first. It is important to understand that universal life insurance is a form of permanent life insurance that accumulates a cash value and allows for the flexibility of changing the premiums over time. It also offers the ability to increase or decrease the amount of coverage or to withdraw from the policy's cash value. It is designed to meet the security needs of individuals, so there is no expiration date with universal life insurance.
How should I evaluate if universal life insurance quotes in Summerlin South fits my financial goals?
Evaluating if universal life insurance is right for Summerlin South, NV residents depends on their financial goals. Are you looking for lifetime protection, immediate cash value, or tax-deferred growth? A financial professional can help you determine if universal life is the right fit for you and your family's individual circumstances. They will take into consideration the amount of coverage the policyholder wants, the anticipated cash value growth rate and length of coverage, and possible riders or add-ons that may be associated with the policy.
How can the cash value in my universal life insurance policy Summerlin South grow over time?
A great way to grow the cash value of your policy in Summerlin South, NV is to invest in a life insurance policy with Accumulator Rider. This will allow you to securely invest funds in your policy, which will grow tax-deferred over time. You can contribute up to a maximum percent of your death benefit amount as well as up to an additional 10% annually, enabling you to enjoy the benefits of compounding interest. This is a great option if you want to grow your cash value while still maintaining the longevity and stability of a traditional life insurance policy.
With universal life insurance near Summerlin South, can I increase or decrease my premium amount after the policy starts?
Generally speaking, you can adjust your premium amount after your policy has started in Summerlin South, NV, however, changes to the premium will depend on the type of policy you have. For example, some policies permit a change in premium amount due to certain qualifying life events. You should contact your insurance company or broker to inquire if any adjustments to your premium can be made. It is important to understand that changes to premium amounts may affect any coverage provided by your policy. Therefore, if you make any changes to your premium make sure you are clear on the changes to coverage that come with it.
How often is interest credited to the cash value in my universal life insurance quote Summerlin South?
Depending on the specific policy chosen, interest may be credited to the cash value of a policy in Summerlin South, NV annually, semi-annually, quarterly, or monthly. By regularly crediting the cash value of the policy with the applicable interest rate, policyholders in Summerlin South, NV can rest assured that their policy will have a consistently increasing cash value. Furthermore, policyholders can adjust the frequency of interest payments to their individual needs.
In the city of Summerlin South, NV, death benefits from a life insurance policy and/or from a retirement account are taxable. According to Nevada law, the executor of the deceased's estate is responsible for the payment of any applicable taxes due on the death benefits that are received. Furthermore, any amounts received in excess of the allowable costs for funeral or burial can also be liable for taxation. It is important that the beneficiary of the death benefits review the available resources and consult a certified tax professional to understand their exact tax burden.
Are there any fees associated with taking a loan against universal life insurance policies near Summerlin South?
Loan fees may vary depending on the lender in Summerlin South, NV. Generally, fees like processing fees, prepayment charges, registration fees, service taxes, and others may be charged on a loan. Therefore, it is important to check with the lender you are dealing with and ask them about all the fees that may be associated with taking a loan. You should always ask about the total amount of fees that will be charged and ensure that the long term benefits of taking the loan outweigh these costs.
How is the surrender value calculated with my universal life insurance in Summerlin South?
The surrender value for life insurance policies in Summerlin South, NV is calculated based on the policyholder's individual current account value and any accrued dividends. Factors such as the insurer's experience with similar policies, policy duration, and the policyholder's age and health can also affect the amount of the surrender value. Most often, this value is less than the full death benefit of the policy, but it is guaranteed to be at least equal to the total premiums paid in at the time of surrender.
How often will I be charged fees for my Summerlin South universal life insurance policy?
The fees associated with living in Summerlin South, NV will be charged on a monthly basis. However, the specifics of the fees can vary depending on the type of housing, amenities, and other factors that could affect how often you are charged. To learn more about the exact amount and when to expect to receive your charges, please contact your property manager or housing company directly for all the details.
Is it possible to change my premium payment schedule with my Summerlin South universal life insurance company?
Yes, it is possible to change your premium payment schedule here in Summerlin South, NV. We recognize that circumstances can change and offer several payment options uniquely tailored to meet the needs of our members. Members can select to pay in full when their statement arrives, spread their payment out evenly over the course of the year, or select to pay monthly as long as the proof of continued coverage is provided. Our team can help you select the payment option that is the best fit for your individual needs and budget.
Compare Summerlin South, NV 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