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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 Ames, IA 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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"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 Ames, IA. 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 Ames, IA.
Frequent Questions...
A variable life insurance policy in Ames, IA is generally comprised of three main components: cash value, death benefit and premium payment. The cash value of a variable life insurance policy accumulates on an annual basis and can be withdrawn or borrowed against. The death benefit is a lump sum payment that is paid out in the event of the policyholder's passing. And lastly, the premium payment is a required fee (typically paid monthly) that must be made in order to keep the policy in effect.
Can I cancel my policy after getting variable life insurance quotes in Ames?
Yes, you can cancel your variable life insurance policy. Ames, IA residents should contact their local insurance agent for details on what fees may be involved, and the specific paperwork required to cancel their policy. Depending on the insurer, Ames residents may be able to either assign the policy to a different owner or completely terminate their current policy. Your agent can walk you through your options and keep you updated on any new disclosures that may be applicable to your individual policy. If you have questions, you may also consult the website of Iowa's Insurance Division for more information.
With a variable life insurance policy Ames, can I decide where my premiums are invested?
Yes, you can choose where your premiums are invested with variable life insurance in Ames, IA. Many local life insurance providers offer variable life insurance policies and will allow you to decide how much of your premiums will be invested in each asset. You may choose to place your premiums in stocks, bonds, mutual funds, or other investment types. It is important to consider the risks associated with each investment option before deciding to participate in variable life insurance in Ames, IA.
What fees are there with variable life insurance near Ames?
The fees associated with variable life insurance in Ames, IA vary depending on the carrier and policy type you choose. Generally, these products involve an annual premium and annual policy fees, as well as contribution fees and deferred sales charges. Some policies may also require riders and additional fees for those riders. For more specifics about your coverage, it's important to consult an experienced life insurance agent in Ames to discuss your individual needs and to understand the fees associated with your specific policy.
Is there a minimum guaranteed return with a variable life insurance quote Ames?
Variable life insurance products offer a wide range of investment options and can be tailored to the individual needs of the policyholder, but typically do not offer a minimum guaranteed return. While the investments selected for the policy may produce a guaranteed return, the value of the policy may fluctuate with the performance of the investments chosen by the policyholder, or may be impacted by the company's internal expenses or any applicable fees.
Located in Ames, Iowa, variable life insurance offers local residents a number of benefits. Variable life insurance policyholders enjoy the flexibility of designating assets to the policy to maximize the potential for returns. Owners also benefit from tax advantages due to their policy premiums being tax deferred, until they begin to withdraw the returns, including the death benefit, which comes tax-free to the beneficiary. Additionally, policy owners can adjust their death benefit according to their budget, which can help secure a financial legacy for their family.
Can I upgrade variable life insurance policies near Ames to another policy type?
There are many types of life insurance policies available in Ames, IA, and you may be able to upgrade your variable life insurance policy to a different type of policy. If you're interested in exploring this option, the best starting point is to speak with a qualified financial professional. They can provide you with detailed information about the life insurance products available and help you make an informed decision as to whether an upgrade is the right fit for you. Additionally, they may suggest other options you may not have considered.
How can I monitor performance of my variable life insurance in Ames?
In Ames, IA, there are many reliable investment advisors that can help you track the performance of your variable life insurance. Whether you are new to investing or an experienced investor, it is important to have a regular review of your investments to make sure the performance is meeting your expectations. Your investment advisor will provide specific strategies tailored to your particular investment goals and provide regular updates on the progress. Additionally, they can provide guidance and recommendations on any necessary adjustments to your investments to ensure you are getting the most out of your variable life insurance and are on track to meet your long term goals.
Is my Ames variable life insurance policy considered permanent life insurance?
Variable life insurance is indeed a type of permanent life insurance, typically offering policyholders flexible features like built-in savings plans and tied-in investment accounts. As a permanent policy, variable life insurance provides coverage for your entire life, not only until you reach a certain age. This type of policy may be beneficial for residents of Ames, IA, who are looking for a secure retirement savings plan or a form of life insurance that can help cover potential medical costs.
Can I convert from term life insurance with a Ames variable life insurance company?
Yes, you can convert your term life insurance to variable life insurance in Ames, IA. At our office, we provide different types of insurance options and can help you find the one that best suits your need. Our skilled and experienced financial representatives can help you evaluate the benefits available with variable life insurance and assist you in any conversions needed. Variable life insurance allows you to invest in a variety of sub-accounts, giving you the opportunity to build savings and make the most out of your life insurance coverage.
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