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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 Brainerd, MN. 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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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 Brainerd, MN.
Frequent Questions...
Residents of Brainerd, MN looking to secure financial protection for their families should consider purchasing variable life insurance. Variable life policies offer flexible premiums and death benefit amounts, making them a customizable choice for providing life insurance coverage. Furthermore, these policies may also offer the potential of market-related investment increases. The average life expectancy in Brainerd is 5.3 years higher than the U.S. national average, meaning that many residents may benefit financially from the long-term investment potential of variable life insurers.
Can I cancel my policy after getting variable life insurance quotes in Brainerd?
Yes, you can cancel your variable life insurance policy in Brainerd, MN. The cancellation process includes submitting a written request to your insurer. Depending on the terms of your policy and the insurer, you may be able to receive a refund of any premiums paid. It's important to ensure you meet any obligations or requirements as outlined in the policy prior to cancelling. If you are within the free look period, you may be able to cancel and receive a full refund of premiums paid. You should also be aware of any surrender charges that could be associated with the cancellation of your policy.
How does the cash value work for a variable life insurance policy Brainerd?
In Brainerd, Minnesota, the cash value component of a variable life insurance policy can be a great benefit. This value is based on the performance of the policy’s investment account, which the policyholder can choose from a variety of available investment options. As a policyholder, your premium contributions accumulate over time and can be used to pay future premiums or withdrawn according to the terms of the policy (or to access early cash surrender value).
Is there a death benefit guarantee with variable life insurance near Brainerd?
Variable life insurance policies in Brainerd, MN do not guarantee death benefits. However, certain policies do offer death benefits when predetermined criteria are met. Some policies, for example, guarantee a death benefit amount equal to the total amount of premiums you have paid, regardless of cash value or other factors. Speak to a licensed insurance provider in Brainerd to determine the type of death benefit available with your variable life insurance policy.
How does a variable life insurance quote Brainerd handle dividends?
Dividend payments associated with a variable life insurance policy in Brainerd, MN are applied based on the policyholder’s direction. Often, policyholders have the option to receive the dividend as cash, apply the dividend to purchase additional paid-up insurance, reduce future premiums and even leave the dividend on deposit with the insurance company to accumulate interest. Depending on the policyholder’s financial needs and objectives, the dividends can help reduce premiums or serve as a source of income for the policyholder.
Variable life insurance is a great option to consider for short-term coverage needs in Brainerd, MN. This type of life insurance offers flexible premiums and a death benefit that can be customized. The cash value of the policy can be invested aggressively, allowing for potential growth opportunities. Furthermore, if the policy is no longer needed for its original insurance purpose, the cash value can be borrowed and used to supplement retirement income. This type of policy is especially valuable for individuals in Brainerd who are seeking short-term coverage or a vehicle to accumulate and manage assets.
How does cash value growth influence death benefit with variable life insurance policies near Brainerd?
The cash value growth in variable life insurance policies can have a significant impact on death benefits in the Brainerd, MN area. Since these policies generally have a flexible premium structure, the policy holder can see their cash value grow quickly due to investments and favorable market conditions. This can in turn be used to increase the size of the death benefit upon the policy holder's death. In addition, the cash value may also be used to pay for coverage in times of need and the death benefit can be tailored to the individual’s goals.
How can I monitor performance of my variable life insurance in Brainerd?
In Brainerd, MN, you can easily track the performance of your variable life insurance investment with the help of a trusted financial advisor. They will have experience in tracking investment performance with specific investments and will be able to provide guidance on the best route to go to meet your financial goals. Additionally, a combination of reviewing your statement and understanding the market trends are both great indicators to review when assessing the performance of your variable life insurance investment. Seeking the advice of a financial professional can also help you analyze different options and strategies to maximize returns and increase growth.
How does my Brainerd variable life insurance policy handle loan interest?
In Brainerd, MN, policy loan interest on a variable life insurance policy is treated as a tax-deductible debt for the policyholder. Depending on the policy parameters, the money borrowed from the policy may not have to be paid back in full and could be paid off as part of the death benefit. As a result, the policyholder would not owe any additional taxes on the loaned amount. However, it is important to note that there are still taxes to be paid on the interest generated from the loan on a yearly basis.
Do I get dividends from my Brainerd variable life insurance company?
Depending on the type of variable life insurance you have bought in Brainerd, MN, you may or may not receive dividends from your investment. Generally, variable life insurance policies allow policyholders to invest their death benefit into subaccounts or mutual fund accounts, similar to those you can purchase outside of a variable policy. From these, you may receive periodic dividends, and the amount will depend on the performance of the subaccounts you have chosen. It is important to note that the amount of dividends you can receive is not guaranteed and will vary accordingly to the performance of your investment portfolio.
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