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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 Beaverton, OR. 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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Mark Sidway
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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 Beaverton, OR.
Frequent Questions...
It depends, as the premium rate of variable life insurance policies can be flexible or fixed, depending on the company. In Beaverton, Oregon, many insurance carriers offer competitive rates on variable life policies both with flexible and fixed premiums. Your best bet is to speak with an experienced insurance provider in Beaverton to determine which option is right for your financial goals and budget.
With variable life insurance quotes in Beaverton, how is the beneficiary impacted by investment performance?
In Beaverton, OR, the beneficiary of an investment will be affected by the performance of the investment. If the investment yields high returns, the beneficiary will benefit with increased revenue. Conversely, if the investment only generates minimal returns or loses value, then the beneficiary's financial situation may be hindered. Ultimately, the financial success of the beneficiary is dependent upon the performance of the investment.
Can I withdraw or borrow from a variable life insurance policy Beaverton?
Yes, you can withdraw or borrow from the cash value of your variable life insurance policy, depending on the type of policy you have. In Beaverton, OR, you may wish to visit a qualified insurance professional to learn more about the specifics and qualifications of such withdrawals and borrowing. Variable life insurance policies do have the ability to have borrowers withdraw or borrow from the cash value and some of those policies may even allow you to take loans against the policy at a low interest rate. Any withdrawals or loans that you take will reduce your policy's cash value and death benefit.
Do I need to understand investments for variable life insurance near Beaverton?
No, you don't have to be an investment expert to purchase variable life insurance in Beaverton, OR. However, it can be beneficial to research the types of investments you can access with variable life insurance and understand the local financial markets and how various investments may perform over time. A professional financial advisor in Beaverton can help identify the best types of investment vehicles to choose from for your specific needs and goals. This expert advice can help ensure that your variable life insurance purchase is an wise investment for you and your family.
Can I include riders in my variable life insurance quote Beaverton?
Yes, you can add riders to your variable life insurance policy in Beaverton, OR. Many insurers offer the choice of adding riders or supplemental benefits to your policy, which may include accelerated death benefit riders, long-term care insurance riders, disability income riders, and more. Adding riders to your policy helps protect yourself and your loved ones by providing enhanced coverage and financial security. The cost of riders is usually an additional expense, so speak with your life insurance provider to determine the most suitable option for your specific needs.
Age restrictions for buying variable life insurance vary depending on the product and the state you live in. In Beaverton, Oregon, policyholders must be 18 years or older to purchase variable life insurance. Insurance companies may also require the policyholder to demonstrate a certain degree of financial security, as this type of insurance requires higher premiums and requires investing in a risky market. Guaranteed life insurance is an option that does not require investors to take such risks because it does not require investing in a stock market.
How does cash value growth influence death benefit with variable life insurance policies near Beaverton?
Individuals living in Beaverton, OR may find that the cash value growth in a variable life insurance policy can positively impact the death benefit since the growth can be used to increase the amount of death benefit coverage that is available. As the cash value grows, this provides policyholders in the area with the potential to build a financial cushion that can be provided in the event of their death. Additionally, the cash value may even help policyholders to offset any premium payments that may be due for their variable life insurance.
How regularly should I check my variable life insurance in Beaverton?
Regardless of where you live, it is always advisable to review your variable life insurance policy regularly. For policyholders in Beaverton, OR, we recommend reviewing your policy annually, in January. This provides an opportunity to make any needed adjustments, such as updating information or increasing coverage, and ensure you are receiving the most value from the policy. Additionally, if you experience any significant life changes, such as marriage, buying a home, or having a child, you should reevaluate to make sure your policy continues to meet your needs.
Is the cash value in my Beaverton variable life insurance policy safe from creditors?
In Beaverton, OR, the cash value of variable life insurance is typically protected from creditors. Oftentimes, state legislatures have laws that protect the policyholder from involuntary liquidation for creditors in the event of insolvency. In Oregon, debtors may benefit from the stateβs exemption laws but should contact their local attorney to get specific advice on their particular situation. Variable life insurance gives the policyholder the flexibility to adjust their premiums and death benefit according to their needs and is often seen as a valuable asset that should not be taken away by creditors.
Can I convert from term life insurance with a Beaverton variable life insurance company?
In Beaverton, OR, it is possible to convert a term life insurance policy to a variable life insurance policy. However, it is important to keep in mind that this conversion could involve certain fees and may or may not be the most cost-effective option. It is in your best interest to speak with a qualified financial professional or insurance agent before making such a decision, as they will be able to provide you with advice and assistance tailored to your unique situation.
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