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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 Lansdale, PA 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 Lansdale, PA. 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 Lansdale, PA.
Frequent Questions...
Individuals who wish to secure their families futures regardless of life circumstance, particularly in Lansdale, PA, should consider purchasing variable life insurance. It provides guaranteed death benefit coverage to survivors in addition to a tax-deferred savings account. Variable life insurance also offers the flexibility to adjust premium payments and account contributions based on personal financial needs. This can be beneficial for those that have an ever-changing financial landscape or whose income varies from year to year. Variable life insurance may be especially beneficial if one is looking for competitive returns on their investment.
Do variable life insurance quotes in Lansdale come with a cash surrender value?
Variable life insurance in Lansdale, PA has a cash surrender value, depending on the policy. Different policies offer different options, which could include receiving cash value, taking a loan from the policy's cash value, or cashing out the policy totally. If you have a variable life insurance policy and are considering cashing out, it's important to speak to an experienced professional in order to make sure you understand the implications thoroughly.
How does the cash value work for a variable life insurance policy Lansdale?
The cash value component in variable life insurance works by allowing policyholders from Lansdale, PA to benefit from their policy while still alive. With this insurance, policyholders accumulate cash within the policy, which can be withdrawn when needed. Cash value accumulates from investments selected by the policyholder, and these investments can be changed and have an impact on the overall value of the policy. This cash value component helps policyholders enjoy the benefits of life insurance while providing an additional stream of income.
How transparent is the investment performance of variable life insurance near Lansdale?
Investment performance with variable life insurance can be very transparent, depending on the company you choose in Lansdale, PA. At many providers, investors can have access to their account statements, performance updates, and any changes that may have occurred to their investments online for easy to read and understand summaries. Additionally, financial institutions try to ensure that all of their disclosures are clear and concise, leaving no room for confusion.
Can I include riders in my variable life insurance quote Lansdale?
Yes, riders can generally be added to a variable life insurance policy in Lansdale, PA. Many life insurance companies, such as Penn Mutual, allow for riders to be added to your policy to provide additional coverage and benefits. These riders typically must be requested and added when the policy is originally purchased but may also be added at any time during the life of the policy. Riders can provide additional coverage for death, disability, and living benefits, and can help your policy become more customized to meet your needs.
Variable life insurance is a great option for those living in Lansdale, PA who want a life insurance policy that offers a combination of death benefit protection and access to cash values when needed. This type of policy gives you the potential to earn non-guaranteed cash value growth from investment subaccounts, while your death benefit amount is determined by the performance of those same investments. There is also the flexibility to change the premium amount and death benefit amount as needed. Variable life insurance also provides option to access the funds when needed through surrendering or policy loans.
How flexible are premium payments for variable life insurance policies near Lansdale?
In Lansdale, PA, premium payments for variable life insurance are very flexible. Policyholders can choose from different payment types (yearly, monthly, etc.), payment frequencies (monthly, quarterly, etc.), and payment periods (single payment, 5 years, etc.). The policyholder has the freedom to adjust the premium payment amount to suit their individual needs and budget. Policyholders can even choose a premium holiday, making it easier to manage their policy during difficult financial times. Overall, variable life insurance offers a great degree of flexibility for Lansdale residents.
Are management fees for variable life insurance in Lansdale similar to mutual funds?
In Lansdale, PA variable life insurance and regular mutual funds have generally comparable management fees. Variable life insurance requires the payment of premiums to providers in exchange for the potential to get back more than the amount paid in premiums. In contrast, mutual funds are offered by management companies who use the money pooled from multiple investors and put it into assets such as stocks or bonds. Investors in mutual funds pay the management company fees to manage the funds and earn, on average, the same rate of return as variable life insurance.
Is my Lansdale variable life insurance policy considered permanent life insurance?
Yes, variable life insurance is a type of permanent life insurance. Available in Lansdale, PA, variable life insurance is an ideal solution for individuals in the area who are looking for the death benefit protection of permanent life insurance, combined with the potential for cash value accumulation tied to the performance of a separate investment account. Unlike other types of permanent life insurance, with variable life insurance, policyholders are able to select and control the underlying investments and may enjoy income tax and estate planning benefits.
Can I convert from term life insurance with a Lansdale variable life insurance company?
Yes, it is possible to convert a term life insurance policy to a variable life insurance policy in Lansdale, PA. Generally, this process involves contacting your life insurance representative and asking if a conversion option is available for your specific policy. Be sure to read all parts of your policy thoroughly and understand all applicable fees and taxes that come with the conversion. You should also bring any relevant information about your existing policy to the negotiation table to ensure you get the best rate before committing to a variable life insurance plan.
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