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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 Albuquerque, NM. 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
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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
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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 Albuquerque, NM.
Frequent Questions...
Variable life insurance policies in Albuquerque, NM differ from traditional life insurance policies because they allow policyholders to choose how their premium is invested. This gives the policyholder greater control over the purpose and potential return of their investment, while still providing the death benefit protection associated with life insurance. Variable life insurance can provide the potential to increase your life insurance benefit by investing your premium payments in stocks, mutual funds, and fixed asset accounts, meaning you can tailor your investment strategy with the potential to grow your life insurance policy over time.
Can I use my variable life insurance quotes in Albuquerque as collateral?
In Albuquerque, NM, it may be possible to use variable life insurance as collateral for a loan, depending on the particular financial institution you decide to use. Your loan officer will be able to provide information on what assets may be acceptable as collateral for your loan. Variable life insurance requires additional research to understand and often may not be the best option for obtaining a loan, so it is important to do your research and consult a qualified financial professional before making any decisions.
What potential risks are there with a variable life insurance policy Albuquerque?
Variable life insurance policies offer many financial and estate planning advantages, but they also come with some potential risks particular to Albuquerque, NM. Unlike traditional life insurance policies, which guarantee a fixed death benefit and a minimum guaranteed cash value, the death benefit, cash value, and premiums associated with a variable policy can fluctuate depending on the performance of the underlying investments. Consequently, the policy's value may decline if the investments perform poorly and can even become completely worthless if the investments fail to make any profit.
What fees are there with variable life insurance near Albuquerque?
The fees associated with variable life insurance in Albuquerque, New Mexico vary based on the type of policy, the cost of the premiums, and any services included with the policy. Generally, fees can include an administrative fee, account maintenance fee, mortality and expense risk charges, fund expense fees, and an insurance policy expense fee. It's important to review all of the fees associated with variable life insurance before purchasing a policy to ensure it fits your needs and budget.
How does a variable life insurance quote Albuquerque handle dividends?
In Albuquerque, NM, the dividends from a variable life insurance policy are usually treated as a reduction to the premium payments. This means that if your policy has sufficient funds to cover the cost of the life insurance coverage, any extra funds in the policy will be used to reduce the future premium payments you'll make for the policy. This allows Albuquerque residents to build up their cash value within the policy, while keeping their annual premium payments down.
The death benefit associated with an investment will vary depending on how well it has performed in Albuquerque, NM. Generally, investments that are doing well will provide a higher death benefit to an investor, while poorly performing investments are likely to generate a lower payout. For those investing in life insurance plans, a death benefit is usually fixed regardless of how the investment performs. Consequently, a larger investment could generate a higher death benefit, while a smaller one could receive a much lower benefit. In either case, it is important to ensure that the investment is properly managed to obtain the best possible results.
Can I direct specific investment strategies for variable life insurance policies near Albuquerque?
While cash value policy holders in Albuquerque, NM have some flexibility in selecting the specific investments that their cash value funds go toward, the ultimate investment decisions are made by the insurance company. The policies and strategies are based on the financial goals of the policy holders and the investments are intended to provide a certain level of protection alongside the ability to benefit from gains in the financial markets. Generally, policy holders are encouraged to discuss their goals and preferences with their insurance representatives and use the expertise of the insurance company to develop and implement more tailored investment strategies.
How regularly should I check my variable life insurance in Albuquerque?
It is highly recommended to review your variable life insurance policy in Albuquerque, NM twice a year. However, if any life changes β such as marriage, having a baby, or job change β occur in the interim, it is a good idea to review your policy sooner. Additionally, it is beneficial to review the policy periodically to ensure coverage is still appropriate for your changing needs. Moreover, even if your situation remains constant, it is important to keep up with changing laws, regulations, and market conditions that might affect the value of your policy.
How does my Albuquerque variable life insurance policy handle loan interest?
In Albuquerque, NM the policy loan interest associated with variable life insurance is treated as a non-deductionable expense. The cost of interest is paid from the policyβs cash account and will have an effect on the amount of the death benefit. It is worth noting that the policyholder will be responsible for paying the loan interest back to the insurance company at some point to avoid policy lapse. Depending on the insurer, the borrower may have the option to pay the repayment in a lump sum or over time via regular payments.
How do loans affect death benefits with my Albuquerque variable life insurance company?
Policy loans from variable life insurance can impact the death benefit available to the beneficiaries in Albuquerque, NM in a variety of ways. These loans can reduce the death benefit if certain conditions occur, such as if the policyholder fails to pay back the loan, or if the insured passes away while still in debt. On the other hand, taking policy loans from a variable life insurance policy may also allow beneficiaries to maximize their death benefit by taking advantage of the cash value in the policy while the policyholder is still living.
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