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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 Wilton Manors, 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.
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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 Wilton Manors, FL.
Frequent Questions...
Universal life insurance offers flexible coverage options and benefits that last for your lifetime if the policy is properly managed. In Wilton Manors, FL, insured individuals can customize their coverage amounts and duration of coverage by selecting an appropriate payment schedule that works for them. Although this type of policy typically lasts your lifetime, the insurance company may require regular payments to maintain coverage and guarantee a death benefit to your beneficiaries.
What are the main differences between universal life insurance quotes in Wilton Manors and whole life insurance?
Whole life insurance and universal life insurance provide advantages to policyholders in Wilton Manors, FL, but the two types of life insurance products have some important differences. Whole life insurance provides coverage for the insured's entire life, and premiums are fixed. Universal life insurance typically offers more flexibility in terms of premiums and death benefits, and may offer more investment opportunities. Additionally, Universal life insurance may provide a wider array of riders, such as indexed universal life insurance, allowing policyholders to gain access to stock markets, but with protection against market uncertainty and volatility.
What features make a universal life insurance policy Wilton Manors unique compared to other life insurance products?
Universal life insurance is unique compared to other life insurance products, as it combines the features of a savings plan with a death benefit policy, providing both short-term flexibility and long-term security. In Wilton Manors, FL, one of the key features of universal life insurance is its tax-deferred policy, which allows customers to build savings on their investment without having to pay taxes. Additionally, universal life insurance typically offers customers the ability to adjust the coverage amount, pay premiums, and pick up additional riders to tailor the policy exactly to their desired needs.
With universal life insurance near Wilton Manors, can I increase or decrease my premium amount after the policy starts?
Yes, in Wilton Manors, FL you may be able to adjust your premium amount after your policy starts. Not all insurance providers offer this option, but if yours does you may be able to increase or decrease the premium according to your individual needs, as long as the changes don't violate statutory regulations or your contract's terms. You may also be able to review or revise your coverage levels accordingly. It's a good idea to speak with your agent to confirm your options.
Is there a guaranteed minimum interest rate for the cash value of my universal life insurance quote Wilton Manors?
While there is no guaranteed minimum interest rate for the cash value in Wilton Manors, Florida, the interest rate is generally higher than other investment options in the area due to the level of protection it offers. The cash value accumulation account typically offers more secure returns than alternatives like stocks and bonds, which can be more susceptible to market fluctuations. Depending on the particular cash value policy chosen, individuals in Wilton Manors may even have the opportunity to earn competitive returns without taking on additional risk.
Beneficiaries in Wilton Manors, FL who wish to claim a death benefit must adhere to the process outlined by the insurance company. Typically, this process requires the beneficiary to contact the insurance company with proof of the death, such as a death certificate, and an identification card in order to initiate a claim form. Depending on the type of insurance, there may be some other documents to provide, as well. The insurance company must also have confirmation that the beneficiary is the one who is entitled to receive the benefit.
What is the maximum amount I can borrow from universal life insurance policies near Wilton Manors?
In Wilton Manors, FL the maximum amount a policyholder can borrow from their insurance policy depends on the type of policy, as well as the value of the policy. For instance, if the policy is a cash value whole life policy, the maximum amount borrowed will be assessed by the death benefit of the policy, as well as specific state and federal guidelines. There are other factors that may affect the maximum borrowing amount such as the investment performance of the policy. It is best to speak with an insurance professional in Wilton Manors, FL to get an accurate answer to this question.
What is the process for surrendering my universal life insurance in Wilton Manors?
If you're located in Wilton Manors, FL, the process for surrendering your universal life insurance policy is actually quite simple. First, contact your insurance provider to let them know you would like to surrender your policy. They will then provide the form that you will need to fill out to officially surrender your policy. You will need to provide all the necessary information and sign the document. After you sign and submit the form, then the lender will review it and inform you if there is an outstanding balance or any other relevant details. Once these details are settled, the policy will be officially terminated.
With the average Wilton Manors universal life insurance policy, are there any transaction fees?
In Wilton Manors, FL, there are no transaction fees charged when changing your investment options. This opens up the opportunity to diversify your portfolio and make your investments as profitable as possible. An experienced financial advisor can assist you in determining the appropriate asset allocation for your needs and guide you through the process of switching investments. It is important to ensure that any transactions are conducted legally and compliantly with market regulations and industry standards. Contact your local investing advisor to confidentially discuss your goals and recommended strategies.
Can I add or remove riders after the policy has started with my Wilton Manors universal life insurance company?
In Wilton Manors, FL, you may be able to add or remove riders to your policy after it has started, depending on the specific provider. To determine whether this is an option for you, it is best to contact your policy provider directly. They may require you to fill out additional forms and pay an additional premium to make changes to your policy. In some cases, your policy provider might require you to obtain a new policy if the amount of time lapsed since policy inception is too long.
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