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With PolicyHub you get to compare over 37 Apollo Beach, FL 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 Apollo Beach, FL. 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 Apollo Beach, FL.
Frequent Questions...
Anyone living in or near Apollo Beach, FL, who is looking for financial flexibility and is seeking life insurance protection with potential growth should consider purchasing variable life insurance. Variable life insurance offers policyholders the ability to choose how to fund their policy and gives them access to a wide array of professionally managed investment options. This type of insurance also provides a death benefit that increases in value as the investments within the policy do. Variable life insurance can provide an excellent long-term savings and investment opportunity for residents of Apollo Beach, FL.
Are there early withdrawal penalties for variable life insurance quotes in Apollo Beach?
Yes, there are penalties for early withdrawal from the cash value in Apollo Beach, FL, such as cancelled coverage or surrender fees. Depending on the amount and condition of your policy, there are typically two types of contractual penalty: (1) a charge that is a percentage of the amount of the cash value being withdrawn, or (2) a charge that is a flat dollar amount. Itβs important to understand the conditions of your policy so that you are aware of the potential penalties that could be applied to an early withdrawal.
What potential risks are there with a variable life insurance policy Apollo Beach?
In Apollo Beach, FL, the potential risks associated with variable life insurance include market fluctuations affecting the policy values, increased overall risk since the policy values may go up or down, the higher fees and charges associated with the variable policy, and a possible loss of the death benefit should the underlying assets of the policy go too far down in value. Additionally, this particular kind of policy requires the policyholder to manage the investments underlying the policy, which can mean additional work and further risk associated with investment decisions.
Is there a death benefit guarantee with variable life insurance near Apollo Beach?
In Apollo Beach, Florida, whether you have guaranteed death benefit with variable life insurance depends on the policy that you purchase. It is important to discuss with your insurance agent all of the policy details to understand which benefits may be included in the policy. Generally speaking, many variable life insurance policies provide a "living benefit" option, which is essentially a guaranteed death benefit should the insured die during the policy term. This amount can help cover expenses for funeral costs and other related costs that can arise from an untimely death.
Is there a minimum guaranteed return with a variable life insurance quote Apollo Beach?
Variable life insurance is an excellent choice for those living in Apollo Beach, FL, looking for a policy that can offer a minimum guaranteed return. This type of policy protects your principal as well as any additional funds that you choose to invest. Your credited return is dependent on the performance of the investments you have selected and will be reflected on your individualized policy statement. Variable life insurance also offers a variety of potential benefits, including the ability to enhance your retirement savings, supplement your income, and increase your estate.
Depending on what type of transfer you intend to make, there may be certain limitations in place within the policy for Apollo Beach, FL. Generally, any outgoing transfer from a local checking or savings account is subject to the federal regulations on the total amount of funds that can be transferred daily. Additionally, if the transfer is international, then an exchange rate may be applied, as well as any fees associated with the transfer. Lastly, transfers to accounts outside of the local area may also be limited by certain institution policies.
Can I upgrade variable life insurance policies near Apollo Beach to another policy type?
If you are interested in upgrading your variable life insurance to a different type of policy while living in Apollo Beach, FL, there are several options to consider. From term life insurance to whole life insurance and more, there are several types of life insurance policies that may be a better fit for your needs than a variable life policy. Depending on your needs, considerations such as budget, current health, and family size will come into play when selecting the best policy for you. Shopping around and comparing options can make sure you find the most suitable policy.
Does all variable life insurance in Apollo Beach offer the same investments?
No, not all variable life insurance policies offer the same investment options. In Apollo Beach, FL, the type and range of investment options offered vary from policy to policy, depending on the provider. For example, one policy might offer a variety of index funds, stock mutual funds, and bonds, while another might offer additional investment options such as ETFs, annuities, and variable annuities. It is important to carefully compare the investment options offered by each policy before deciding which is the best one for you.
Is the cash value in my Apollo Beach variable life insurance policy safe from creditors?
In the state of Florida, including Apollo Beach, variable life insurance policies are protected from creditors according to the Insurance Law Statute 627.626. This statute states that any annuity or life insurance policies with a death benefit provision are considered an exempt asset and the cash value is not subject to your creditors in the case of bankruptcy or legal proceedings. The cash value is also considered exempt up to the amount that would be payable to your beneficiaries upon death.
Do I get dividends from my Apollo Beach variable life insurance company?
If you live in Apollo Beach, Florida, and have a variable life insurance policy, you may receive dividends from the investments in that policy. Dividend allocations can vary and the amount you receive depends on the specific policies and investments associated with your policy. A financial professional in Apollo Beach can provide guidance and review your policy to explain how dividends may be allocated for you. Expenses and fees deducted from your policy may have an effect on the amount of dividends you receive. Speak to a qualified financial professional for a detailed explanation.
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