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With PolicyHub you get to compare over 37 Defiance, 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.
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With PolicyHub getting started is easy. Compare all the Variable Life Insurance rates from all the providers in Defiance, 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.
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 Defiance, OH.
Frequent Questions...
Variable life insurance is a type of policy that allows policyholders in Defiance, OH to invest part of their premiums in a selection of professionally managed funds. This type of policy also offers the flexibility to adjust the death benefit and the premiums due to the performance of the investment options. With variable life insurance, policyholders in Defiance, OH benefit from the potential of long-term growth and access to attractive tax advantages.
Do variable life insurance quotes in Defiance come with a cash surrender value?
Yes, variable life insurance in Defiance, OH does have a cash surrender value. It is determined by the policy's surrender period, the age of the policyholder, the type of benefits and the performance of the investments. Depending on the variables, a policyholder in Defiance, OH may have the opportunity to make a withdrawal or cash out their policy, receive a portion of their premiums paid in, or receive the greater of their cash value or the guaranteed cash surrender value.
How does the cash value work for a variable life insurance policy Defiance?
The cash value component of variable life insurance in Defiance, OH works by allowing policy owners to invest part of, or all of, their premiums into sub-accounts, which are typically made up of mutual funds, stocks, and other investments of their choosing. Over time, these can build up and grow in value, and can be used to pay premiums or can be accessed via a loan or withdrawal. If available, dividends and periodic bonuses can also be applied to the account.
How often can I modify my investments in variable life insurance near Defiance?
In Defiance, OH, your investment choices with variable life insurance may be changed as often as you wish. This is a versatile option that provides the freedom to adjust your policy as your financial goals and risk tolerance change over time. It enables you to select from a range of approved investments that are tailored to fit your objectives, strategies and time horizon. If you are uncertain about the best option that may meet your current needs, consulting with a professional financial advisor in Defiance, OH can provide valuable assistance.
Is there a minimum guaranteed return with a variable life insurance quote Defiance?
Variable life insurance policies, like all life insurance policies, are designed to provide financial security for the family of policyholders in the event of their death. In Defiance, OH, variable life insurance provides an added benefit to policyholders. It offers them the potential to build cash value and participate in the investment potential of underlying subaccounts. The returns on the subaccounts are not guaranteed but have the potential to offer upside involvement. However, it is important to note that the return potential is not guaranteed, and there are risks associated with an investment portfolio and no guarantee of any return.
Yes, there are limitations on fund transfers within the policy in Defiance, OH. These limits vary depending on the type of transfer being made. Some of the restrictions that apply include the following: local transfers are limited to a maximum of $2,500 per day; out of state transfers are limited to a maximum of $100,00; and transfers to international beneficiaries are limited to a maximum of $250 per month. Anyone interested in larger transfers should speak with their financial advisor or contact the customer service department of their bank for assistance.
How does cash value growth influence death benefit with variable life insurance policies near Defiance?
The cash values of variable life insurance policies in Defiance, OH are not fixed, and can fluctuate with the market and other considerations. When the cash value grows, it increases the death benefit, since it provides a larger payout for beneficiaries at the policyholder's passing. When the cash value decreases, due to market factors or due to a withdrawal from the policy, the death benefit is correspondingly reduced. It's then up to the policyholder to decide if they need to infuse cash back into the policy to bring it to the desired level.
Can I change investment options for variable life insurance in Defiance without tax effects?
Yes, you can switch between investment options without tax implications in Defiance, OH. Generally, there are no taxes assessed when you switch between different investment types, such as stocks, bonds, mutual funds, ETFs, and the like. Likewise, most people in Defiance, OH qualify for special tax treatments when they invest in 401(k) plans, Traditional IRAs, or Roth IRAs. Therefore, investors can move money from one option to another with no additional tax burden.
Can I use my Defiance variable life insurance policy for retirement savings?
Yes, variable life insurance can be used as a retirement savings vehicle, and it is a great option for residents of Defiance, Ohio. Variable life insurance offers increased account growth potential, tied to the performance of the stock market, and also comes with certain tax advantages that no other retirement saving plan can provide. With variable life insurance, you can invest in mutual funds, which allows you to diversify your portfolio and have more control over your retirement savings. It is also possible to borrow against your policy and use it as a lump sum contribution when you need it the most.
Does my Defiance variable life insurance company offer a grace period for premium payments?
Variable life insurance policies may have different grace periods for premium payments in Defiance, OH. It is important to contact the insurance company to confirm the grace period for the particular plan you have purchased. Most Defiance-based insurance companies will allow a grace period of 10 to 30 days after the due date of the payment, during which time only the interest will be assessed. Beyond this time frame, many policies will lapse if payment is not made, so it is vital to always remain up-to-date on premium payments.
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