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With PolicyHub you get to compare over 37 Atlanta, GA Variable Life Insurance policy providers in as little as 15 minutes. Save time. Save big. Get started now.
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Over 37 policy provider comparison.
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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
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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.
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 Atlanta, GA. 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.
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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 Atlanta, GA.
Frequent Questions...
Variable life insurance policies in Atlanta, GA offer consumers the opportunity to invest part of their life insurance premiums in professionally managed stock or bond portfolios that may help the policy grow over time and pay a higher death benefit to their beneficiary. This type of policy differs from other policies, such as term or whole life, which offer a fixed death benefit with no potential for growth. With variable life, the policy holder can adjust the underlying investments or allocate premiums according to a pre-selected allocation model depending on their individual risk preferences.
Do variable life insurance quotes in Atlanta come with a cash surrender value?
Yes, variable life insurance policies issued in Atlanta, GA do have a cash surrender value. However, the exact amount of cash value available with your policy depends on the policy you purchase and the current performance of the underlying investments in your policy. As such, you should consider speaking with a qualified financial advisor or insurer in Atlanta to determine the exact cash surrender value available with your policy before deciding to make that choice.
What are the tax aspects of a variable life insurance policy Atlanta?
In Atlanta, GA, the tax implications of variable life insurance depend on how the policy is used. If the policy is used as an investment, investment-related expenses and withdrawals may be subject to taxes. Additionally, any earnings generated may be included in your taxable income. Alternatively, if the policy is used for income-protection, policy proceeds paid out as benefits may be tax-free. It is important to consider the type of money you are putting into the policy and determine whether taxes may apply when using the policy.
How often can I modify my investments in variable life insurance near Atlanta?
Atlanta investors with variable life insurance can make changes to their investment choices as often as necessary. Frequency of change may depend on the specific regulations and limitations of the specific policyholder's variable life insurance policy. Generally, investors in Atlanta should consult their financial advisor or insurance provider to understand any restrictions or limitations that apply to their specific policy before making changes to their investment choices.
What are the surrender fees for a variable life insurance quote Atlanta?
The surrender charges for variable life insurance in the Atlanta, GA, area can vary depending on the particular policy and the insurer. Generally speaking, such policies might include a surrender charge period of up to seven years, where a percentage of the surrender amount is deducted from the policy's cash surrender value. For example, in the first year, the surrender charge might be 8%, and the percentage may decrease for subsequent years until it reaches 0%. It's important to ask your insurance provider to get the most accurate information about surrender charges for your particular policy.
The death benefit for an investment in Atlanta, GA varies directly with the performance of that particular investment. Depending on the type of investment, death benefits may be based on the return of capital or on any gains experienced by the investor. If the investment performs poorly, then the death benefit is minimized. Alternatively, if the investment performs favorably, then the death benefit can be maximized. Typically, the higher the return on your investment, the larger the death benefit will be. It's important to understand the terms of your investment policy in order to determine the exact death benefit payout.
Do variable life insurance policies near Atlanta provide guarantees on returns?
Variable life insurance in Atlanta, GA offers policyholders the potential to make a return on their investments, however there is no guarantee of the return. Variable life policies are securities that are subject to market fluctuation and no guarantee of a return on investment is implied. Investing in a variable life policy is not guaranteed and potential policyholders should refer to their specific insurance provider to better understand the variable policy's details.
Are management fees for variable life insurance in Atlanta similar to mutual funds?
In Atlanta, GA, the management fees for variable life insurance policies are comparable to regular mutual funds. Depending on the insurer, the fees may vary, however in general they are comparable. Plus, an added benefit of variable life insurance is that it can offer additional death benefit protection for policyholders. This can be a valuable tool that many regular mutual funds do not offer. By carefully evaluating the fees and the available policy options from different providers, Atlanta consumers can compare variable life insurance with regular mutual funds and make the best decision for their situation.
Is the cash value in my Atlanta variable life insurance policy safe from creditors?
In Atlanta, GA, the cash value in variable life insurance is typically a safe asset from creditors. It is protected by the Georgia Insurance Code for any contractual obligations entered into on or after July 1, 1995. Additionally, you may be able to seek creditor protection by having the beneficiary of a variable life insurance policy be a trust. The funds can then be placed in a trust and are generally not subject to creditors. It is important to consult with legal and financial professionals before deciding what action to take.
Can I convert from term life insurance with a Atlanta variable life insurance company?
Yes, if you're in Atlanta, GA, you can convert your term life insurance policy to a variable life insurance policy. This type of policy is a form of permanent insurance designed to provide long-term financial protection, with several different investment options included within the policy. To make the conversion, you'll need to contact your insurer and provide additional information such as your age, the policy amount, and the length of the term. After careful consideration, experts like those at Life Solutions Financial in Atlanta can guide you towards the best option for your specific needs.
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