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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 Lewisburg, TN 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 Lewisburg, TN. 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 Lewisburg, TN.
Frequent Questions...
Individuals in Lewisburg, TN that need life insurance that offers flexible payments, protection that lasts until a designated age (typically age 95-120), and the ability to invest in sub-accounts to potentially maximize growth should consider purchasing variable life insurance. Variable life insurance allows for the policyholder to use their policy cash value as a source of borrowing and provides income tax-deferred growth of cash values within the policy. The policyholder can choose how to invest in a variety of choices, with the potential to increase the value of policy death benefits.
With variable life insurance quotes in Lewisburg, how is the beneficiary impacted by investment performance?
In Lewisburg, TN, beneficiaries of an investment are affected by its performance in a variety of ways. A successful investment can mean gains in capital, increased returns, and positions of financial stability for the beneficiary that may open up opportunities for growth. Conversely, the beneficiary may experience losses, reduced returns, and less stable financial positions if the investment does not perform to expectation. Ultimately, the beneficiary can benefit from the performance of their investment and it is important to understand how investments work, how to diversify the portfolio, and how to use various financial instruments appropriately in order to ensure successful outcomes.
What potential risks are there with a variable life insurance policy Lewisburg?
Those in Lewisburg, TN considering a variable life insurance policy should be aware of the potential risks involved. Specifically, the underlying investments in the variable policy may lose money, resulting in lower returns and lower benefit payouts. Additionally, beneficiaries may be subject to a surrender charge if they cash out the policy before maturity. And, unlike other life insurance policies, the premium associated with variable policies is not fixed over time, meaning premiums can increase significantly. Finally, owning investments within a variable life insurance policy may be more expensive than buying the investments outside of the policy.
Do I need to understand investments for variable life insurance near Lewisburg?
No, you don't need to be investment-savvy to purchase variable life insurance in Lewisburg, Tennessee. Variable life insurance is a type of life insurance product that combines the mortality protection of a life insurance policy with a separate, professionally managed investment account. The investment account earns a return based on market performance, which can be adjusted periodically based upon how much risk you want to assume. However, it's strongly recommended that you consult with a qualified financial advisor to fully understand how variable life insurance works and discuss the related risks before committing to a policy.
What happens if my variable life insurance quote Lewisburg underperforms?
If your chosen investments in Lewisburg, TN do not perform as expected, there are several options you can take. You may decide to consider adjusting your portfolio to minimize your losses. There are also long-term financial advisors in the area who can help you decide whether it is worth holding onto certain investments, or if you should think about re-allocating your funds. If you have already lost money on these investments, learning from the experience and being mindful when investing in the future is a pragmatic solution. Ultimately, the decision rests with you.
One of the primary benefits of variable life insurance in Lewisburg, TN is that it provides financial security for the policyholder and their family. It can also offer the potential to accumulate cash value, depending on the performance of the underlying investments. Variable life insurance can also provide flexibility in premiums, death benefit coverage, and cash value accumulation. Furthermore, variable life insurance offers the advantages of tax-deferred growth of cash value and the ability to customize the policy to meet each individual's needs, goals, and circumstances. This is especially helpful to Lewisburg residents who may have unique family circumstances.
How flexible are premium payments for variable life insurance policies near Lewisburg?
In Lewisburg, TN, variable life insurance allows for flexibility with premium payments. Depending on your policy and insurance provider, you may have options ranging from flexibility with the frequency of premium payments to flexible payment amount options. Talk to your insurance provider in the area and learn more about their flexible payment options and find the best fit for your situation. With a variable life insurance policy, you may find that you can pay premiums using monthly, quarterly, or annual payment options, as well as offering the flexibility to increase or reduce your premium payments as needed.
Does all variable life insurance in Lewisburg offer the same investments?
Not all variable life insurance policies provide the same investment options, as some insurance policies may have a subset of investments available for its policyholders, depending on the provider. For example, in Lewisburg, TN, the Standard Life and Accident Insurance Company offers variable life insurance policies with access to an array of mutual funds that are carefully chosen to meet a wide range of risk and return objectives. Meanwhile, the Northwestern Mutual Life Insurance Company of Milwaukee provides variable life insurance policies with funds that are diversified across multiple asset classes.
How liquid is the cash value of my Lewisburg variable life insurance policy?
The cash value of a variable life insurance policy varies depending on the policyholder's individual circumstances. In Lewisburg, TN, policyholders often have the ability to access their cash value in the form of bank loans, withdrawals, or policy loans. Generally speaking, the cash value can be withdrawn tax-free, though it is important to be aware that policy loans and withdrawals may reduce the value of the death benefit. Ultimately, your financial advisor or insurance professional can help you assess the amount of liquidity that best suits your needs.
Does my Lewisburg variable life insurance company offer a grace period for premium payments?
In Lewisburg, Tennessee, there is indeed a grace period available for premium payments for variable life insurance. The grace period that is typically offered by insurance companies in this region ranges from 10 to 30 days, depending on the specific policy chosen by the customer. In other words, if the variable life insurance payment is not received by the due date, the customer will be allowed to make a late payment within the specified grace period, before late payment fees and/or policy cancellation is applied.
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