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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 Durango, CO 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.
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With PolicyHub getting started is easy. Compare all the Variable Life Insurance rates from all the providers in Durango, CO. 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 Durango, CO.
Frequent Questions...
Yes, premiums are fixed in variable life insurance. With variable life insurance in Durango, CO, you are able to make payments of your premiums over set amounts of time. The premiums will not be subject to any changes or fluctuations, and they remain fixed for the duration of the policy’s term. While other aspects of the policy such as death benefits and cash value can vary, the amount you are paying each month on the premium will remain the same. This is good for peace of mind, as you will know exactly what you are paying each month.
With variable life insurance quotes in Durango, how is the beneficiary impacted by investment performance?
In Durango, CO, an investment performance directly impacts the beneficiary of that investment. If the invested asset performs positively, then the beneficiary will benefit from the increased value of their asset. On the other hand, if performance is negative, the value of the asset can decrease, resulting in a lower return for the beneficiary. The beneficiary could also incur additional costs, such as taxes, associated with the investment performance. It is important for the beneficiary to understand how their investment performance may impact them before making any decisions.
With a variable life insurance policy Durango, can I decide where my premiums are invested?
Yes! With variable life insurance, you can choose which investments to put your premiums towards, based on your individual needs and risk tolerance. In Durango, Colorado, there are a variety of different investments to choose from, such as mutual funds, stocks, bonds and cash equivalents. Additionally, if you are not comfortable making investment decisions yourself, many insurers offer advisory services to assist you in making the best investment decisions for your individual situation. Ultimately, with variable life insurance, you have the peace of mind knowing that you and your family will be taken care of in the event of your passing.
How transparent is the investment performance of variable life insurance near Durango?
In Durango, Colorado, variable life insurance is known for its transparency in investment performance. Investment performance disclosure is provided by your policy, with periodic statements that explain the cost, performance, and tax implications of the underlying investments in your policy. This is intended to help build your understanding of the performance of your investments and provide a better understanding of the value of your policy. Your insurer may provide you with an online experience that includes a dashboard to monitor the performance of your insurance policy in real time.
What happens if my variable life insurance quote Durango underperforms?
In Durango, Colorado, if an individual's investments perform poorly, there are a few options to consider. Firstly, they should review the performance of their investments and the current market conditions to identify any underlying issues. From there, they could consider adjusting the risk profile of their investments or adjust the mix of asset classes they have invested in. Additionally, they could research and invest in other investment products such as ETFs, bonds, mutual funds, and other vehicles.
In Durango, CO, variable life insurance may be purchased by any person aged 18 or older. However, depending on the type of policy and provider offering the coverage, there may be restrictions that may affect those between 18 and 21. As with any insurance policy, it is best to read and understand any qualifications and restrictions before signing the paperwork. Your insurance agent can help you understand any age restrictions that may be associated with a variable life insurance policy.
Do variable life insurance policies near Durango provide guarantees on returns?
Variable life insurance in Durango, CO offers potential returns dependent upon the performance of underlying investments, so there are no guarantees on investment returns. However, the coverage from variable life insurance can provide your family with financial stability and security when you are no longer able to provide. Furthermore, with this type of insurance policy the premiums you pay can be invested in a wide range of investment options, meaning you have the potential to make a high return on your investment.
Are management fees for variable life insurance in Durango similar to mutual funds?
In Durango, CO, the management fees for variable life insurance can differ when compared to regular mutual funds. Generally, the management fee for variable life insurance is lower based on the calculations used. That said, the cost to purchase and hold variable life insurance can be more than holding a mutual fund since there can be add-on costs associated with the policy such as policy fees and administrative costs. Additionally, some mutual funds have a smaller or no management fee when compared to variable life insurance.
Is my Durango variable life insurance policy considered permanent life insurance?
Variable life insurance is not a type of permanent life insurance like Whole Life, Universal Life, or Variable Universal Life. However, there are often similarities in benefits and features of each type of insurance that Durango, CO residents can use to the fullest advantage. Variable life insurance policies offer a pooled fund of stock and bond investments that build value in the policy and can provide a larger death benefit over time. Durango families looking for potential cash value growth opportunities, life insurance protection, and tax advantages may benefit from investigating how variable life insurance can fit their needs.
What's the typical duration of terms with a Durango variable life insurance company?
The typical duration of a variable life insurance policy in Durango, CO varies widely depending on the type of policy and individual circumstances. Generally, these policies last for a specified period from one to 30 years being the most commonly chosen time spans. A popular form of variable life insurance is the Whole Life policy, and this type of policy typically does not expire but runs for the insured's entire lifetime. Ultimately, the duration of the policy depends on an individual's specific financial needs and goals, which an insurance expert can help to identify and meet with advice on choosing the best solution for their particular situation.
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