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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 Canton, OH Variable Life Insurance policy providers in as little as 15 minutes. Save time. Save big. Get started now.
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"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 Canton, OH. 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 Canton, OH.
Frequent Questions...
Compared to other life insurance policies, Variable Life Insurance plans in Canton, OH offer policyholders greater flexibility as its premiums and benefits can be altered according to individual needs. This allows policyholders to adjust death benefit amounts, build tax-deferred savings accounts, access investment features and more. Variable life also offers a more diverse array of investment options, since the money from your premiums gets invested into markets such as stocks, bonds, mutual funds and more. With other life insurance policies, you are typically limited to traditional cash-value investments that generate steady interest over time.
Can I cancel my policy after getting variable life insurance quotes in Canton?
It depends on the type of variable life insurance policy you have in Canton, OH. In most states, policyholders can typically cancel their policy for any reason. However, if you are looking to cancel a permanent variable life insurance policy, such as a whole life policy, you may be subject to cancellation penalties or surrender charges. It is best to check with the specific insurance company you have the policy with to see if and what cancellation penalties apply to your policy.
With a variable life insurance policy Canton, can I decide where my premiums are invested?
Yes, you can choose where your premiums are invested with variable life insurance in Canton, OH. Depending on your needs, you will have the flexibility to choose investments from an array of profiles, such as stocks, bonds, mutual funds, and exchange traded funds. Your financial professional in Canton, OH will be able provide you details on the types of investments available, and help you make the best decision for your financial situation. Keep in mind that with variable life insurance policies, the value of your investment portfolios can go up and down, depending on the performance of those investments.
How transparent is the investment performance of variable life insurance near Canton?
The investment performance for Variable Life Insurance is completely transparent in Canton, OH. For example, each policy purchaser will be provided with details about the costs, fees, and performance of the investment options they select. This allows individuals to make an informed decision about which investments best fit their individual goals and objectives. Furthermore, should questions arise, policyholders are able to seek guidance from highly experienced and knowledgeable professionals who are based in Canton, OH. Ultimately, this ensures transparency and peace of mind for the variable life insurance policyholder.
What are the surrender fees for a variable life insurance quote Canton?
The surrender charges for variable life insurance in Canton, OH may vary depending upon the selected insurer. However, in principle, long-term contracts such as variable life insurance policies generally involve increasing surrender charges, which typically range from 4% 10%, up to about 10 years. Additional charges may apply, so it's important to understand the surrender charge schedule for the specific policy you are considering in order to make an informed decision.
Living in Canton, Ohio, variable life insurance can offer you many benefits such as tax-deferred growth possibilities, the opportunity to customize an investment portfolio, and the ability to make distributions on a tax-free basis. With variable life insurance you can select from a range of investment options, which can provide you more control and flexibility with your policy. Additionally, you can increase or decrease the level of life insurance to fit your changing needs without incurring any additional charges. You can also access your cash value if needed with policy loans, which will not impact your current policy or your investment performance.
Do variable life insurance policies near Canton provide guarantees on returns?
Variable life insurance in Canton, OH does not guarantee any investment returns. However, by choosing carefully the type of investments you wish to allocate with your policy, you can potentially receive greater returns. Variable life insurance policies allow policyholders to choose from a variety of investment products, such as stocks, bonds, mutual funds, and money market instruments, providing a range of potential return options that are not offered with traditional life insurance. Therefore, while you must accept the risk of potential loss of invested capital, you can also benefit from the potential for higher returns with variable life insurance than with traditional life insurance.
Are management fees for variable life insurance in Canton similar to mutual funds?
In Canton, OH, the management fees for variable life insurance tend to be slightly higher than those of regular mutual funds, though the margin can vary depending on the provider. Variable life insurance also generally offers more flexibility in its investment options compared to mutual funds. However, it is important to compare the fees and services of multiple insurers before signing up for coverage to ensure you're getting the best value and coverage for your needs.
Can I use my Canton variable life insurance policy for retirement savings?
Residents of Canton, OH can use variable life insurance as a retirement savings vehicle to build wealth for retirement. This type of policy allows you to selectively and strategically allocate funds to stocks, bonds, mutual funds, and other investments, and your contributions and returns grow tax-deferred. Furthermore, there are guaranteed death benefits associated with variable life insurance, which provide a safeguard against unexpected losses from your investments. Consider speaking with a financial representative in Canton to learn more about how variable life insurance can help you reach retirement savings goals.
Does my Canton variable life insurance company offer a grace period for premium payments?
Yes, there is a grace period for premium payments in variable life insurance policies in Canton, Ohio. Depending on the policy, the grace period provided by the insurer can range anywhere from 10 to 30 days. If you are unable to meet the premium payment date, you should contact your insurer prior to the due date. In certain situations, the insurer may offer a grace period extension, or work out an alternative payment schedule. In order to do so, you may have to provide additional documentation of your financial situation.
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