Compare over 37 Variable Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Apopka, FL 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 Apopka, 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.
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 Apopka, FL.
Frequent Questions...
Variable life insurance is a policy in which the death benefit and the cash value of the policy fluctuate based on the investments made into it. This differs from some other life insurance policies such as term life insurance in which the cash value does not fluctuate, and the death benefit is fixed. For those looking for an investment vehicle with the added protection of a life insurance policy in Apopka, Florida, variable life insurance can be a great option.
Do variable life insurance quotes in Apopka come with a cash surrender value?
Yes, variable life insurance has a cash surrender value in Apopka, FL. The value of the cash surrender depends upon the performance of your investments, your policy length, and your age and health. Generally, the policy can be redeemed for an amount greater than the actual death benefit. However, you may be subject to surrender charges and taxes if you terminate the policy after a specified time period. It's important to understand the specifics of your policy regarding cash surrender value to understand the implications for your financial future.
What potential risks are there with a variable life insurance policy Apopka?
Individuals purchasing variable life insurance in Apopka, FL need to be aware of the potential risks associated with this type of policy. Investing in variable life insurance can be volatile and merit lower or higher returns based on performance of the underlying assets in the portfolios. Variable life policies are tied to the performance of the stock market, meaning if the market is not doing well, policyholders may face return losses and reduced cash value within their policy. Policyholders may also face internal costs such as sales charges, mortality and expense fees, reducing their effective return.
How often can I modify my investments in variable life insurance near Apopka?
In Apopka, FL you can typically change your investment choices with variable life insurance at least annually. Depending on the policy and carrier, life insurance companies may also allow quarterly or even monthly investment changes. It is important to contact your insurance provider to understand the specific time frames available to make changes to your policy. Additionally, some insurers offer tools like online access so that you can change your investments more quickly and conveniently.
What are the surrender fees for a variable life insurance quote Apopka?
The surrender charges for variable life insurance in Apopka, FL, will vary depending on the insurer that issued the policy. It is important to know that surrender charges usually lessen as the policy matures, and depending on how long the policy has been active, the charges may be minimal or absent. The best way to determine exact surrender charges is to get in touch with the insurer or insurance agent who helped craft the original policy.
In Apopka, FL, the death benefit of an investment typically depends largely on its performance. If invested funds perform well, the death benefit can potentially increase based on both the amount of principal plus the gains made on the investment; conversely, if the investment performs poorly, the death benefit can decline to the original principal amount or less. Additionally, any changes to the investment portfolio can also affect the death benefit, though this varies depending on the agreement made between the investor and the pension fund or other investment firm.
How flexible are premium payments for variable life insurance policies near Apopka?
At Apopka, Florida's Creal Insurance, we believe that flexibility is key when it comes to variable life insurance premium payments. We offer customers the option to pay their premium in full annually, bi-annually or monthly. You can also opt to implement a plan where your annual premium will increase yearly. Creal Insurance can provide multiple payment options tailored to each individual's financial situation, from the ability to pay solely with borrowed funds to adjusting the premium when the market performs poorly.
How can I monitor performance of my variable life insurance in Apopka?
In Apopka, FL, the best way to track the investment performance of your variable life insurance is to contact your insurance company and ask for a breakdown of your investment earnings. Your insurance policy should also include a report that outlines your investment performance. Additionally, you can use a financial advisor within Apopka to help you stay informed about your investments and monitor their performance. They can give you insights into current market conditions and help you better understand how your investment strategy is working.
How liquid is the cash value of my Apopka variable life insurance policy?
The cash value component of a variable life insurance policy is highly liquid in Apopka, FL, meaning it can be accessed in a variety of ways. The policyholder may convert the cash value directly into cash, without any surrender charges or taxes, or they can also borrow against the cash value without incurring any debt. Additionally, the policyholder can access the cash value through a life insurance loan or a policy loan, depending on the type of policy they own. Most policies will allow the policyholder to access their cash value within a few days depending on the provider.
Can I convert from term life insurance with a Apopka variable life insurance company?
Absolutely! If you're looking to convert your term life insurance to variable life insurance in Apopka, FL, there are many reputable providers that specialize in this service. While researching the best provider, make sure to read review and compare benefits, coverage, and rates. Many providers offer competitive rates and will work with you to develop a payment plan that you are comfortable with. With the help of an experienced insurance provider in Apopka, you can rest assured you will receive high quality service and get the coverage you need at an affordable price.
Compare Apopka, FL 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