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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 Antioch, IL. 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
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 Antioch, IL.
Frequent Questions...
Variable life insurance policies in Antioch, IL are different from other life insurance policies as they offer a portfolio of financial investments in addition to the death benefit aspect of life insurance. So with variable life insurance, policyholders have the ability to diversify their funds, adjust the types of investments within the policy, and potentially earn a return on the money in the policy. Moreover, these policies provide permanent insurance protection and may include additional features like long-term care insurance riders and premium waivers.
Do variable life insurance quotes in Antioch come with a cash surrender value?
In Antioch, IL, variable life insurance policies have a cash surrender value which is paid out if the policyholder decides to surrender the policy before the term expires. The cash surrender value of the policy depends upon the type of policy and other electing options and varies from company to company. Typically, the surrender value is generally less than the total premiums paid. It is important to note that the cash surrender value is only paid out after the insurer has taken certain deductions.
With a variable life insurance policy Antioch, can I decide where my premiums are invested?
Yes, with variable life insurance you are able to choose where your premium is invested in Antioch, IL. By selecting this type of life insurance plan, you can have the peace of mind in knowing that your premium payments will be invested in portfolios that are tailored specifically to your needs and goals. The funds are managed by experienced financial professionals who are focused on providing the best possible returns, with an emphasis on safety and liquidity.
Do I need to understand investments for variable life insurance near Antioch?
There is no need to be investment-savvy to purchase variable life insurance in Antioch, IL. While understanding investments and the performance of the stock market can be helpful, it isn't a requirement to take advantage of the benefits of variable life insurance. If you're feeling uncertain about such investments, representatives from local insurance providers in and near Antioch are available to assist you in selecting an insurance policy that meets your needs and to answer any questions you may have. Additionally, depending on your situation and financial goals, your insurance representative can help you create a customized portfolio to maximize returns on your investments.
Can I include riders in my variable life insurance quote Antioch?
Absolutely, riders are available to variable life insurance policies, and depending on where you are located in Antioch, IL, there are likely rider options to choose from. Typically, riders are add-ons for life insurance policies that are tailored to your unique needs and protect you from specific risks. Riders may cover disability, long-term care, accidental death, and other life plan features that your policy may otherwise not cover. Your life insurance provider may also offer customizable riders so that you can customize the policy to best meet your needs.
In Antioch, IL, the death benefit amount depends not only on the life insurance policy used, but also on the investment performance of the policyholder's investments in the policy. The amount of death benefit can increase or decrease depending on the performance of those investments. Therefore, in order to maximize their death benefit, policyholders in Antioch should make sure they are making informed long-term investment decisions, taking into account their future goals and risk tolerance. Additionally, policyholders should periodically review their investments to ensure they still align with their objectives.
How does cash value growth influence death benefit with variable life insurance policies near Antioch?
In Antioch, IL, the cash value growth in variable life insurance can have a large and important effect on the death benefit. The more cash value accumulation that your policy achieves the higher the death benefit will be in the event of your passing. Depending on your policy, the death benefit can be magnified through unpaid as well as paid premiums and other investments you make in your policy. Tax-deferred growth on your policy also has the potential to significantly augment the amount your beneficiaries will receive when the time comes.
How regularly should I check my variable life insurance in Antioch?
In Antioch, IL, a review of your variable life insurance policy should be done at least once a year. It is important to review your policy to ensure that the coverage and terms meet your needs and that the payments are in line with your current financial situation. Additionally, it is advisable to stay abreast of any changes in the policy and state laws that might affect your policy. As with all life insurance, it is essential to regularly update any beneficiary information in your policy as circumstances change. For personalized advice, be sure to consult with a licensed insurance agent in Antioch.
Can I use my Antioch variable life insurance policy for retirement savings?
Yes, variable life insurance can be used as a retirement savings vehicle in Antioch, IL. This type of life insurance policy allows you to make investments that have the potential to provide you with tax-deferred growth. Any dividends, interest, or capital gains earned can be reinvested back into the policy. It is important to remember, however, that your death benefit and the cash value of the policy will depend on the performance of the underlying investments, and you assume this investment risk with variable life insurance.
Can I convert from term life insurance with a Antioch variable life insurance company?
Yes, it is possible to convert your term life insurance to variable life insurance depending on where you are located. In Antioch, Illinois you can find agents in the local area who specialize in this kind of conversion and who can offer advice on the process. Variable life insurance has different features from term life insurance, so you should consider your individual situation, and carry out research into the options available prior to conversion. Additionally, different policies which can be used to fund the variable plan will also be available, so you should choose the option that matches your circumstances.
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