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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 Bridgeton, MO. 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 Bridgeton, MO.
Frequent Questions...
In Bridgeton, MO a variable life insurance policy is composed of several elements. The policy holder has the ability to decide the amount of the death benefit and select investments for their policy from a variety of stocks, bonds, and money market fund options. This is in contrast to a traditional life insurance policy, where the death benefit is fixed and the beneficiary is unable to make changes to the investments. Additionally, variable life insurance policies typically provide policyholders with the ability to cash out policy values on a tax-free basis if done correctly, or borrow against the equity in the policy.
Can I use my variable life insurance quotes in Bridgeton as collateral?
In Bridgeton, MO, you cannot use variable life insurance as collateral for a loan. However, you can often use assets such as a car, real estate, or stocks as collateral when securing a loan. Depending on the lender, you may also be able to use cash, personal property, or letters of credit. It's important to be aware of all applicable laws and regulations before attempting to use any type of asset as collateral. Additionally, most lenders will require you to undergo a credit check before approving a loan.
What are the tax aspects of a variable life insurance policy Bridgeton?
Residents of Bridgeton, Missouri should be aware of the potential tax implications of having a variable life insurance policy. Depending on your individual tax situation, you could be liable for different taxes upon the death of the insured person, income from the policy, or surrenders or withdrawals from the account. In addition, any insurance or earnings that exceed the current IRS limits may be subject to additional taxes, so it's important to familiarize yourself with these laws. Lastly, if you're considering a variable life insurance policy, consult with a professional advisor to ensure you understand the potential tax implications.
Do I need to understand investments for variable life insurance near Bridgeton?
Purchasing variable life insurance in Bridgeton, MO does not require you to be investment-savvy. However, it is important to understand that these policies involve investment risks and you will need to familiarize yourself with both the benefits and the risks associated with variable life insurance before making a decision. By working with an insurance expert in Bridgeton, you can get advice on which type of insurance is best for you and the level of investment risk you are willing to take.
Is there a minimum guaranteed return with a variable life insurance quote Bridgeton?
Variable life insurance policies are popular in Bridgeton, Missouri due to their ability to provide a guaranteed, income-tax free death benefit. Though each policy is different, they all offer a minimum guaranteed return, typically in the form of a guaranteed death benefit or a cash account that accrues a guaranteed interest rate over time. With variable life insurance, your Bridgeton, Missouri life insurance policy can be tailored to your individual needs and your premiums will remain level regardless of market conditions.
Variable life insurance can bring many benefits to individuals and families living in Bridgeton, MO. One particularly attractive benefit is the ability to tailor coverage to your budget and needs. With variable life insurance, policyholders have the ability to achieve higher potential returns on the cash value portion of their policy than they might with other types of life insurance products. This allows policyholders to customize how much risk and potential reward they want to take on while still providing the death benefit protection they require to cover their beneficiaries.
Can I upgrade variable life insurance policies near Bridgeton to another policy type?
Yes, upgrading your variable life insurance policy to another type of policy can certainly be done here in Bridgeton, MO. Depending on your financial goals, you may be able to upgrade to whole life or universal life insurance. Both of these types of policies provide additional benefits for clients, and in many cases, can be more appropriate for their needs. Our highly qualified and experienced agents are happy to go over the different insurance policies available and help you make a decision that's best for you and your family.
Are management fees for variable life insurance in Bridgeton similar to mutual funds?
In Bridgeton, MO, the management fees for variable life insurance are generally comparable to regular mutual funds, but there may be some differences based on the plan type you choose and the fees associated with the particular plan. That said, make sure you work with a local advisor who can provide you with detailed information about the various life insurance plan fees. In general, you'll want to compare the rate payable, the types of investments available, the surrender period, and other factors to help you determine which option may be best for your needs.
Is the cash value in my Bridgeton variable life insurance policy safe from creditors?
In Bridgeton, Missouri, the cash value of a variable life insurance policy is generally protected from creditors. This means that, in the event of financial distress or insolvency, the cash value of the policy will not be affected or taken away as payments to creditors. In effect, the policy becomes a significant layer of financial protection for owners and their families. Generally, creditors can't access the policy without the policyholder's permission.
Do I get dividends from my Bridgeton variable life insurance company?
Yes, you can receive dividends from the investments within a variable life insurance policy if you reside in Bridgeton, MO. Depending on the variable life insurance policy, these dividends may be paid out annually or quarterly. The amount of dividends to be received will depend on the performance of the variable life insurance policy's underlying investments and the choice of riders you obtain. Additionally, the dividends received from a variable life insurance policy are tax-deferred and will accumulate in the policy's cash value.
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