Compare over 37 Universal Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Yakima, WA 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 Yakima, WA. 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 Yakima, WA.
Frequent Questions...
Yes, universal life insurance is considered permanent insurance. In Yakima, WA, permanent life insurance policies allow you to lock in a death benefit amount and premium rate, which makes them more financially secure than other forms of life insurance. Also, universal life insurance policies can provide a tax-deferred savings component and flexible payment schedules so policyholders in Yakima can choose how much they want to pay and when they want to pay it. Universal life insurance in Yakima also offers you control of your policy's cash value, allowing you to access the money when necessary.
What are the potential risks associated with universal life insurance quotes in Yakima?
Universal life insurance policies vary based on the geographic region in which they are issued. In Yakima, WA, potential risks associated with universal life insurance can include rising costs due to changes in taxes laws and inflation. It could also mean investment risks for those policies that include an investment component. Additionally, there is always the risk of an early death meaning the policyholder may not be able to take advantage of the long-term savings part of the policy. Universal life insurance policies have the potential for a lapse in payment, which could result in a cancellation or lapse of coverage.
Are there any riders or additional benefits I can add to my universal life insurance policy Yakima?
Yes, there are additional riders or benefits you can add to your policy in Yakima, WA. Depending on your insurance provider, you may be able to purchase riders for coverage of items such as fine art, flooding, jewelry, electronics, and even identity theft protection. Additionally, and perhaps more importantly, you could opt for additional benefits such as waiver of premium, accidental death, and disability income coverage. These benefits will provide added financial security for you and your loved ones in the event something unexpected were to happen.
Can I alter the frequency of my premium payments with universal life insurance near Yakima?
Yes, you may be able to alter the frequency of your premium payments if you are a resident of Yakima, WA. Your insurer likely has different payment plans available that may fit your budget and needs. You may even qualify for a plan tailored to lower-income households. Be sure to speak to your insurance representative to learn more about the plans available in your area. There is also the possibility of transitioning to an online payment system, which may have added benefits like automatic payment reminders or discounts. Different insurers may have different options.
How often is interest credited to the cash value in my universal life insurance quote Yakima?
The frequency of interest credited to the cash value of the policy will vary based on the type of policy and the insurance provider you choose. Generally, it is accepted that interest credited to a policy located in Yakima, WA is done annually. Interest rates are based on the carrier and policy and can fluctuate. You may wish to consult with an insurance professional to determine the best policy and interest rate for your situation.
Yes, you can increase the death benefit in the policy's life in Yakima, WA if you can meet all necessary requirements. You need to consider when is the best time to do it. You will need to provide medical evidence sufficient to replace your previous medical evidence to increase the face amount of your death benefit or apply for a policy endorsement for additional coverage. It is important to realize that some additional charges, such as a new fee for policy re-underwriting, may be required to increase your death benefit.
Are there any fees associated with taking a loan against universal life insurance policies near Yakima?
Yes, there are typically fees associated with taking a loan. In Yakima, Washington, the fees vary by lender and vary from one loan type and amount to another. Generally speaking, applicable fees include loan origination fees, administrative fees, transaction fees, and other fees. Borrowers should ask their lender for a detailed breakdown of the fees related to their loan. Additionally, if the borrower pays off the loan early, lenders may charge a pre-payment penalty fee. It is important for borrowers to ask questions about fees and consider the full cost of taking a loan before making a final decision.
How long do I have to reinstate a lapsed universal life insurance in Yakima?
In Yakima, WA, policyholders typically have between 31-45 days to reinstate a lapsed policy, depending on the specific company from which the policy is purchased. During that time, policyholders must pay any past due premiums and any applicable reinstatement fees. If the policy is not reinstated within the grace period, a new policy must be purchased to receive coverage.
How often will I be charged fees for my Yakima universal life insurance policy?
The fees associated with Yakima, WA services may vary, but most services typically require payment in full at the time of use. Depending on the specific service, there could be recurring charges associated with the service. However, it is best to inquire with the specific provider for details regarding their payment policies. In any case, it is not typical to be charged fees with any frequency other than the regularly scheduled charge associated with an ongoing service.
Is it possible to change my premium payment schedule with my Yakima universal life insurance company?
Yes, it is possible to change your premium payment schedule in the Yakima, WA area. Depending on your insurance provider, there may be several available options and you should contact them directly to discuss which one applies to you. For example, there may be the possibility of changing the amount of the monthly payment or the frequency of payment. Additionally, there may be the possibility of making a one-time payment to cover a certain period or to pay the entire premium in one go. Ultimately, the best way to get the most suitable payment option for you is to talk to your insurance provider.
Compare Yakima, WA 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