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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 Bluffdale, UT. 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 Bluffdale, UT.
Frequent Questions...
Variable life insurance in Bluffdale, UT differs from other policies in that it has several distinct features and allows policyholders to build their own package. Variable life insurance can provide flexibility in the portfolio chosen, and access to cash value through the policy's loan and withdrawal features. Additionally, it allows beneficiaries to receive a death benefit that can far exceed the amount of premiums paid. This is due to the potential investment of additional funds into the policy for greater returns that could increase the benefit.
With variable life insurance quotes in Bluffdale, how is the beneficiary impacted by investment performance?
Beneficiaries of investments in Bluffdale, UT can be affected positively or negatively depending on the performance of their investments. If investments perform well, the beneficiaries will have increased financial security and the potential for greater returns. If investments underperform, the beneficiary can suffer reduced returns or outright losses. Regardless, it is important to remember that investment performance could vary depending on a variety of factors, including the market, economy, and inflation.
What potential risks are there with a variable life insurance policy Bluffdale?
Variable life insurance comes with a certain amount of risk, like other financial products. In Bluffdale, UT, some of the potential risks associated with this type of insurance include policy lapse, suicide, market risk, and policy fees. Having a lapse in policy payments can serve as a major setback, and policy fees can take away from the savings collected during the life of the policy. Moreover, the policyholder’s estate may not be able to pay out the death benefits if the insured commits suicide within the first two years of the policy.
What fees are there with variable life insurance near Bluffdale?
The fees associated with variable life insurance will depend on geographic location, age, and the type of plan you choose. In Bluffdale, UT, you can expect to pay a one-time commission fee that may be as high as 8% of the policy’s face amount. Aside from the commission fee, you may also have to pay a mortality and expense fee that’s deducted from the policy’s cash value and paid to the insurance company, as well as administrative fees to cover the costs of processing and submitting the paperwork that goes along with a life insurance policy.
What are the surrender fees for a variable life insurance quote Bluffdale?
The surrender charges for variable life insurance in Bluffdale, UT depend on the policy and the length of time that it has been in effect. Generally, the longer the life insurance policy has been in effect, the lower the surrender charges will be. It's important to understand that the surrender charge for a variable life insurance policy will decrease the earlier that you begin to withdraw funds. If you wait too long to withdraw your funds, you may have to pay a higher surrender charge.
Bluffdale, UT residents may find that variable life insurance provides a range of attractive benefits. These include the potential to customize coverage to an individual's specific needs, to create a flexible portfolio that can work in tandem with investments, and to potentially access money from the policy values without incurring taxes. Additionally, variable life insurance can often provide death benefit protection for dependents, supplemental income in retirement, and long-term security in the event of unforeseen circumstances.
Do variable life insurance policies near Bluffdale provide guarantees on returns?
Yes, variable life insurance offers guaranteed returns on investments in Bluffdale, UT. Variable life insurance has both death benefit protection and cash value accumulation components which are protected against market fluctuations. A portion of the investment portion of the policy is invested in general and separate account investments, many of which come with specific return guarantees. Through this guarantee, anyone in Bluffdale, UT can be assured of stability and financial security. Variable life insurance also offers additional benefits, including the ability to leverage money by taking loans against the policy, so individuals can gain access to additional capital.
Does all variable life insurance in Bluffdale offer the same investments?
No, not all variable life insurance policies offer the same investment options. Many policies will offer a wide variety of options tailored to the specific needs of customers living in Bluffdale, UT. These might include choices such as mutual funds, stocks, exchange traded funds, bonds, and more. As well, many policies feature low-fee accounts to help customers grow their funds over time. Ultimately, it’s important that customers in Bluffdale take the time to research and find a policy with the appropriate amount of risk and the right set of investments.
Can I use my Bluffdale variable life insurance policy for retirement savings?
Yes, variable life insurance can be used as a retirement savings vehicle in Bluffdale, UT. Utilizing a variable life insurance policy provides you with the ability to invest in a variety of growth strategies and still protect your loved ones with life insurance benefits. These types of policies have the potential to produce unique and positive benefits due to the flexible underlying investments, allowing you to customize retirement plans to suit your needs. Through tax-deferred investments, you can create a larger retirement portfolio and build more wealth over time while taking advantages of income tax benefits.
How do loans affect death benefits with my Bluffdale variable life insurance company?
Policy loans from variable life insurance can have an impact on the death benefit of policyholders in Bluffdale, UT. When these loans are taken out, it reduces the death benefit by the amount borrowed, as the loan must be paid back first before the full death benefit can be accessed. While it is not a major concern for policyholders in Bluffdale with shorter-term life insurance policies, for those with long-term plans, keeping track of loan repayments is crucial, as it can affect the amount of money their beneficiaries receive in the event of death.
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