Compare over 37 Variable Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Alameda, CA Variable Life Insurance policy providers in as little as 15 minutes. Save time. Save big. Get started now.
Find the perfect plan from over 37 providers
Your one-stop-shop to compare all the rates, all at once.
With PolicyHub you get:
Over 37 policy provider comparison.
Explore multiple policies from all the leading insurers and choose the one that fits your needs.
Locked in rate discount and exclusive deals.
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
ATTN: 2024 Variable Life Insurance rates just released!
Get the latest Variable Life Insurance rates for 2024 and lock in your policy today! Get started comparing policies right now.
Get the Variable Life Insurance plan with the cheapest rates in 3 easy steps.
Done in 3 easy steps
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
Compare rates & plans.
Discuss your options with a licensed insurance agent. Compare plans to find the best policy & cheapest rates.
Step 3
Lock in cheap rates.
Secure the lowest rates and lock in the perfect life insurance policy for you and your family.
"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.
Get started in less than 15 minutes.
With PolicyHub getting started is easy. Compare all the Variable Life Insurance rates from all the providers in Alameda, CA. 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.
![]() |
Option 1 | Option 2 | ||
---|---|---|---|---|
100% Digital | ||||
Licensed Agents | ||||
Expert Support | ||||
Get Started in 15 minutes | ||||
Decades of Experience | ||||
Compare 37+ Providers | ||||
Zero Hidden Costs | ||||
Top Insurance Providers |
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 Alameda, CA.
Frequent Questions...
Variable life insurance is an insurance policy that allows policyholders in Alameda, California to invest a portion of their premium dollars into professionally-managed and separately managed accounts, much like stocks and mutual funds. This diversified investment which is available within variable life insurance policies can be tailored to the personal risk appetite of the policyholder. Variable life insurance in Alameda, CA offers a death benefit that is typically higher than the premiums paid, and recent tax law changes together with other state insurance regulations render this policy design a great option for a variety of estate planning strategies within Alameda County.
Do variable life insurance quotes in Alameda come with a cash surrender value?
Yes, variable life insurance has a cash surrender value if it is sold in Alameda, CA. The surrender value is the amount of cash that you receive when you surrender or cancel your policy before its maturity date. The cash surrender value will be based on the current market value of your policy as well as any applicable deductions. It may be worth less than the total premiums that have been paid to date. It may also be worth more than the total premiums if the policy has performed well. To find out your policy's cash surrender value, contact a licensed life insurance agent in Alameda, CA.
What are the tax aspects of a variable life insurance policy Alameda?
The tax implications of variable life insurance in Alameda, California vary greatly depending on an individual’s circumstances. Generally, premium payments are not tax-deductible and if the policy is considered a modified endowment contract, any withdrawal taken before the insured person turns 59 ½ could face a 10 percent federal tax penalty. On the other hand, the cash value of a life insurance policy grows tax-deferred, such that no income tax is owed on growth until you access those funds.
What fees are there with variable life insurance near Alameda?
Fees associated with variable life insurance vary and depend on your particular location and situation. Specifically in Alameda, California, estimates suggest that fees can range from 2%-6.5% depending on the carrier, policy size, face amount, and other factors. The fees also vary based on the type of investments you are making with the life insurance policy. The most common types of fees associated with variable life insurance are mortality fees, policy charges, administrative fees, and investment advisory fees.
Can I include riders in my variable life insurance quote Alameda?
Yes, you can add riders to your variable life insurance policy if you live in Alameda, CA. Depending on the carrier, what types of riders are available will vary, however some of the riders that are typically offered include accidental death, critical illness and child riders. Riders are an additional policy feature that can provide additional benefits and coverage for specific circumstances. It is important to speak with your life insurance provider to determine which riders are available for your particular policy.
The death benefit associated with investments in Alameda, CA is directly related to their performance: the higher the performance, the higher the death benefit payout. When evaluating investments, it is important to understand their particular level of risk. Investments with higher degrees of risk may have a more volatile performance, which could cause a lower death benefit. Conversely, investments with lower levels of risk may have lower potential returns, but their death benefit payout could still be greater due to a more consistent performance.
How does cash value growth influence death benefit with variable life insurance policies near Alameda?
In Alameda, CA, the cash value growth of a variable life insurance policy can have a significant effect on the death benefit. Variable life insurance policies allow policyholders to adjust their premium and death benefit payments based on the cash value accumulation of the policy. As the cash value rises, so does the death benefit amount, making the death benefit more valuable over time. As the death benefit increases, the amount required for policyholders to pay for the death benefit decreases or may even become zero.
How regularly should I check my variable life insurance in Alameda?
It is important to review your variable life insurance policy regularly, about once a year, to ensure that your coverage adequately meets your current needs. Having the appropriate amount of coverage for residents of Alameda, CA who have variable life insurance can help safeguard their family's financial future. Depending on life or financial changes, it is wise to review your variable life insurance policy more frequently. To help ensure your policy provides the most appropriate coverage for your current financial situations, it may be beneficial to speak with your insurance agent and review your policy year on an annual basis.
Is the cash value in my Alameda variable life insurance policy safe from creditors?
In Alameda, CA, the cash value in variable life insurance is generally protected from creditors. This is because Alameda follows California law which exempts life insurance policies from creditor claims, including those arising from bankruptcy, in most cases. Furthermore, the Internal Revenue Code provides special protection for life insurance proceeds, including cash values that may have grown due to contributions made by the insured, from creditors' claims. It is important to note, however, that the law changes frequently, so it is wise to consult a qualified legal or financial expert to be sure that your cash value is adequately protected.
Can I convert from term life insurance with a Alameda variable life insurance company?
In Alameda, CA, converting from term life insurance to variable life insurance is possible, depending on your current policy and the needs of your family. Working with a trusted local insurance provider, you can learn more about the rules and regulations for Alameda residents that may be applicable to your situation and help you decide if this conversion is the right choice for you. It's recommended that you contact an experienced life insurance professional in Alameda to ensure that you get reliable advice and find the best policy to meet your family's ongoing financial needs.
Compare Alameda, CA Variable Life Insurance Policies
Get started today and compare over 37 Variable Life Insurance providers in as little as 15 minutes.
© 2024 PolicyHub - all rights reserved