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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 Santa Monica, CA Variable Life Insurance policy providers in as little as 15 minutes. Save time. Save big. Get started now.
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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 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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"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.
Get started in less than 15 minutes.
With PolicyHub getting started is easy. Compare all the Variable Life Insurance rates from all the providers in Santa Monica, CA. 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.
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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 Santa Monica, CA.
Frequent Questions...
Individuals in Santa Monica, CA, who want flexibility with their policy features and guarantees should consider purchasing variable life insurance. Variable life insurance allows policyholders to select the underlying investments in their policy and adjust their benefits according to their individual needs. Variable life insurance also allows policyholders in Santa Monica to have greater control over how their policy investments are allocated. It provides access to a wide variety of different investment options including stocks, bonds, and mutual funds. With variable life, the death benefit and the cash value can vary depending on how the policy's investments perform.
With variable life insurance quotes in Santa Monica, how is the beneficiary impacted by investment performance?
In Santa Monica, CA, beneficiaries of investments can experience a variety of results depending on the performance of the investment. Generally speaking, a beneficiary may be rewarded with increased return on their investment should the investment produce good results and provide a desired return on the beneficiary's investment. Alternatively, the beneficiary may encounter losses on their investment if the investments assume poor performance. In either case, it is important to consider various investment options to reduce any potential risk associated with poor investment performance.
How does the cash value work for a variable life insurance policy Santa Monica?
In Santa Monica, CA, the cash value component of Variable Life Insurance works by allowing policyholders to invest a portion of their premiums to a variety of different funds. These funds are then invested and the gains are reflected in the cash value of the policy. This cash value can be used to pay premiums, supplement retirement income, or provide a death benefit should something happen to the policyholder. It can also provide loan value if the policyholder needs funds to cover a large expense such as a home purchase or college tuition.
How often can I modify my investments in variable life insurance near Santa Monica?
You are able to change your investment choices with variable life insurance as often as you feel necessary depending on your life stage and investment goals. In Santa Monica, CA, you are likely to frequently adjust your investment selections due to the dynamic economy. When making these changes, be sure to consult a financial advisor who can provide you with a detailed holistic view of the risks and rewards associated with each of these decisions.
What happens if my variable life insurance quote Santa Monica underperforms?
If you live in the Santa Monica area, you have access to a wide variety of investment opportunities. However, if your chosen investments do not perform as expected, there are resources that can help you. Local organizations, such as Santa Monica Chamber of Commerce and Economic Development Department, can assist you with free advice on different resources, including risk management and financial planning. Additionally, you may be able to find help from workshops, networking events, websites, and other business consulting services in the area.
Variable Life Insurance can provide Santa Monica, CA residents with a variety of potential benefits, including flexible coverage amounts, the potential to earn dividends, tax advantages and the opportunity to invest in different funds. This type of insurance provides the policyholder with the choice to adjust the amount of the death benefit within certain limits, allowing them to create a customized plan that best fits their needs. Variable life also offers the opportunity to diversify the amount invested, presenting a higher potential for growth with the risk of loss.
How flexible are premium payments for variable life insurance policies near Santa Monica?
Premium payments for variable life insurance in Santa Monica, CA can be quite flexible. You have the ability to choose from a variety of payment options, such as annual, semi-annual, quarterly, monthly, or even one-time payments. Depending generally on your insurance provider, you may also be able to change the way you pay, the frequency of payment, or the amount you pay at a later date without having to reapply for coverage. In addition, you usually have the option of making additional one-time payments if you'd like to add to your policy or increase the death benefit.
Can I change investment options for variable life insurance in Santa Monica without tax effects?
Yes, those investing in Santa Monica, CA can switch between investment options without tax implications. This is thanks to the federal rules which allow those investing their money to switch between investment options without having to pay taxes. However, there are certain limits to this benefit, so it is important to consult a financial advisor and be aware of any restrictions applicable in Santa Monica, CA, as certain options might be different than those in other locations.
Is the cash value in my Santa Monica variable life insurance policy safe from creditors?
The cash value associated with variable life insurance policies in Santa Monica, CA is typically protected from creditors. Many states including California have enacted laws that provide protection for life insurance to policyholders. This protection can provide you with an extra layer of security should there be an unfortunate situation where creditors may have to be involved. In conclusion, the cash value in variable life insurance in Santa Monica, CA is usually protected from creditors.
Does my Santa Monica variable life insurance company offer a grace period for premium payments?
Yes, there is a grace period for premium payments in variable life insurance in Santa Monica, CA. Depending on the insurance policy, the grace period can range from 15 to 30 days from the due date specified by the insurance provider. During the grace period, the policyholder may pay the premiums without penalty or any extra charges. If the premium remains unpaid after the grace period, the policy may be considered to be lapsed, but it may be reinstated with the payment of certain charges specified in the policy.
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