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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 Variable Life Insurance policy providers in as little as 15 minutes. Save time. Save big. Get started now.
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Over 37 policy provider comparison.
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Benefit from exclusive deals offered only to residents of your state, and lock in huge rate discounts.
Customized policies just for you.
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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Step 1
Tell us about yourself.
Finding the perfect life insurance policy starts with answering a few questions to help us serve you better.
Step 2
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Discuss your options with a licensed insurance agent. Compare plans to find the best policy & cheapest rates.
Step 3
Lock in cheap rates.
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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 Near Me. 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 Near Me.
Frequent Questions...
Variable life insurance is a type of permanent life insurance that provides a death benefit to your beneficiaries and allows you to invest a portion of your premiums in a variety of investment options, typically mutual funds. The cash value of the policy fluctuates based on the performance of these investments, making it a more dynamic option for individuals who are comfortable with some level of risk.
How is variable life insurance different from whole life insurance?
While both variable and whole life insurance are permanent life insurance options, the key difference is in the cash value component. Whole life insurance offers a guaranteed cash value growth, while variable life allows for investment in various options, which can lead to a higher or lower cash value based on investment performance.
What are the risks associated with variable life insurance?
The risks stem from the investment component. Since the cash value is invested in securities, it can fluctuate in value. Poor investment performance may lead to a decrease in cash value and potential loss of principal, making it important for policyholders to regularly review and potentially adjust their investment choices.
Can I lose my death benefit if my investments perform poorly?
While poor investment performance can reduce the cash value of a variable life policy, most policies guarantee a minimum death benefit amount, provided premiums are paid as required. This ensures that, regardless of investment performance, beneficiaries will receive a guaranteed minimum amount.
What are the investment options available with variable life insurance?
Typically, variable life insurance policies offer a range of investment options, such as equity, bond, and money market sub-accounts (similar to mutual funds), as well as a fixed account that guarantees a minimum rate of return. These options can vary between policies, giving policyholders the ability to tailor their investment strategy based on their risk tolerance and financial goals.
Policyholders can generally access the cash value through loans or withdrawals. However, these actions may reduce the policy's death benefit and may have tax consequences. It’s important to consult with a tax advisor or financial professional before accessing the cash value.
What are the tax benefits of variable life insurance?
Variable life insurance provides tax-deferred growth of cash value, and the death benefit received by beneficiaries is generally income-tax-free. Loans and withdrawals can be tax-free if managed properly, but it is important to consult with a tax advisor to understand the potential impact of these actions.
What are the fees associated with variable life insurance?
Variable life insurance policies can have various fees, including mortality and expense risk charges, administrative fees, investment management fees, and potentially surrender charges for early withdrawal. These fees can vary between policies, so it’s important for prospective buyers to carefully review the policy’s fee structure.
Can I adjust the premiums I pay for my variable life insurance?
Some variable life insurance policies allow for flexible premiums, meaning you may be able to adjust how much you pay within certain limits. However, ensuring that enough premium is paid to keep the policy in force is crucial. Failure to pay sufficient premiums can result in the policy lapsing.
What happens if I surrender my variable life insurance policy?
If you surrender your policy, you will receive the current cash surrender value, minus any surrender charges and outstanding loans. This amount may be subject to income taxes and potential penalties. Surrendering a policy should be a carefully considered decision, and consulting with a financial advisor is often advisable.
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