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Compare over 37 Variable Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Winston-Salem, NC Variable 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 Variable 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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Step 2
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"I lost hope trying to find a Variable 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
Variable 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 Variable Life Insurance rates from all the providers in Winston-Salem, NC. Get started in under 15 minutes.
All your Variable Life Insurance needs in one place.
Variable Life Insurance is a type of insurance that combines the features of protection and investment. It isn't just about securing your family's future; it's also a way to grow your wealth. While it offers a death benefit similar to traditional life insurance, a part of your premium goes into investments, offering a chance for your money to grow over time.
This insurance has two main components. The first is the death benefit. If you pass away, your family receives a set amount to financially support them. The second part is the cash value. This is the investment portion. You can choose from a variety of funds provided by the insurance company. As the value of these investments goes up or down, so does the cash value of your policy.
One subtype of variable life insurance is called variable universal life insurance. You can adjust your premium and death benefit as your financial needs change. And just like with Variable Life Insurance, a portion of your premium goes into investment funds. This policy offers both the security of life insurance and the growth potential of investment. It's all about giving you the choices and control over your financial strategy.
Save time and get the best Variable Life Insurance policy with the cheapest rates. Guaranteed.
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Real PolicyHub testimonials...
"I knew I needed Variable 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 Variable Life Insurance agent.
Roy Stephens
Variable Life Insurance agent
Roy Stephens is a Variable Life Insurance agent licensed in your state.
Mark Sidway
Variable Life Insurance agent
Mark Sidway is a Variable Life Insurance agent licensed in your state.
Cale Reeves
Variable Life Insurance agent
Cale Reeves is a Variable Life Insurance agent licensed in your state.
"I was searching for Variable 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 Variable Life Insurance in Winston-Salem, NC.
Frequent Questions...
People in Winston-Salem, NC who are looking to prepare for the future, and have the ability to vary their payments and coverage amounts, should evaluate purchasing a variable life insurance policy. This type of policy offers flexible protection that can grow with the policyholder. Different than other life insurance policies, variable life insurance provides the ability to invest in securities while still offering death benefit protection. Variable life policies provide growth, tax deferral opportunities, and offer flexibility when it comes to deciding how much you're willing to risk.
Do variable life insurance quotes in Winston-Salem come with a cash surrender value?
Yes, variable life insurance can have a cash surrender value depending on the type of insurance purchased and policyholder’s needs. In Winston-Salem, NC, variable life insurance is one of many life insurance types. In general, it is suitable for people with some extra money for investing with a long-term objective in mind. The cash surrender value is usually beneficial if the policyholder needs to withdraw money from their policy, such as in the case of emergency funds or retirement planning.
How does the cash value work for a variable life insurance policy Winston-Salem?
In Winston-Salem, NC, cash value components in variable life insurance are a cost-effective way to provide long-term protection and/or provide financial security for yourself and/or your family. Variable life insurance allows policyholders to invest their funds in an array of investment options, such as stocks, bonds, mutual funds, and other investment vehicles, to provide financial flexibility and tax-deferred growth of the cash value*. Policyholders have control over their policy and may adjust the premiums and other aspects of the policy as their needs change over time.
How often can I modify my investments in variable life insurance near Winston-Salem?
Clients in Winston-Salem, NC have the option to change their investment choices with variable life insurance at any time, so long as the request is made to the insurer in writing and there is an understanding of the impact that such a change may have on the policy's overall performance. It is especially important to understand the tax implications that could result from the requested change before submitting a request. Therefore, although changing investment choices is available, it is best to make prudent, well-thought-out decisions before requesting any such changes.
Is there a minimum guaranteed return with a variable life insurance quote Winston-Salem?
Variable life insurance can offer a minimum guaranteed return to its policyholders; however, this guarantee will vary based on specific policy terms and the region of the policyholder. For instance, Winston-Salem, NC policyholders may receive a lower minimum guarantee than policyholders located in other areas because their policies must factor in the local economic market and performance. Additionally, many providers will waive a portion or all of the minimum guarantee in order to provide dividends on policies purchased in Winston-Salem, NC.
In Winston-Salem, NC, there are no age restrictions to buy variable life insurance, so long as you are an adult over the age of 18. However, you may want to consider whether variable life insurance is the right fit for you depending on factors such as your health, age and risk tolerance, since the performance of the investment portion of the plan is subject to market risk and could lose value. A financial professional at your local office can assist you in assessing the suitability of your unique circumstances to determine if variable life insurance is the right option for you.
Can I direct specific investment strategies for variable life insurance policies near Winston-Salem?
Although the policyholder of a life insurance policy in Winston-Salem, NC generally cannot dictate specific investment strategies for the cash value, there are other options available to increase the value of the policy. For example, the policyholder could allocate some of the cash value to a variable annuity, enabling them to invest in mutual funds, or to other insurance contracts subject to market fluctuations. When invested properly, this could provide a greater return on the policyholder's cash value investment.
How can I monitor performance of my variable life insurance in Winston-Salem?
In Winston-Salem, NC, the best way to track the performance of your variable life insurance investment is to use online tools available through the carrier. These tools enable you to view your account balance, performance details, and projected return on your investment. Additionally, many carriers offer a live customer service representative to help review and answer any questions you may have about your variable life insurance investment performance. Utilizing these tools gives you an accurate and up-to-date snapshot of your investment's overall performance and helps you make informed decisions regarding your investments.
Can I use my Winston-Salem variable life insurance policy for retirement savings?
Yes, variable life insurance policies can be used to supplement retirement savings in Winston-Salem, NC. These policies offer cash value payments that can be taken out of the policy, providing a reliable source of income during retirement. Additionally, the policies offer tax-deferral benefits, which means that any money that is earned through the life insurance policy is not subject to taxes until it is withdrawn from the policy. Ultimately, variable life insurance policies can provide Winston-Salem residents with a more substantial retirement savings plan.
Do I get dividends from my Winston-Salem variable life insurance company?
Yes, you can receive dividends from the investments within a variable life insurance policy. Depending on the type of variable life insurance policy and the provider, the dividends you receive will vary. In Winston-Salem, NC, there are a few companies that offer variable life insurance policies with the potential to earn dividends on your investments. Be sure to speak with a financial advisor in the area to determine the best choice for you, and to determine what type of dividends you can expect to receive.
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