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Compare over 37 Variable Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Broadlands, VA Variable Life Insurance policy providers in as little as 15 minutes. Save time. Save big. Get started now.
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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 Broadlands, VA. 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 Broadlands, VA.
Frequent Questions...
Variable life insurance is an insurance product that offers a policyholder protection while also allowing them to invest within the policy, often in mutual fund-style subaccounts, to potentially have growth in the policy's cash value. Variable life insurance is a great option for many Broadlands, VA residents because it can provide the protection of a life insurance policy while also having the extra potential for increasing cash value because of the investments within the policy.
With variable life insurance quotes in Broadlands, how is the beneficiary impacted by investment performance?
Investing in Broadlands, VA can provide a beneficiary with benefits that may not be available in other areas. By investing in local businesses, community projects, and public parks, a beneficiary can expect to see positive changes to their Broadlands community. These investments can also allow the beneficiary to diversify their portfolios, maximizing the potential for return on investment while minimizing the risk associated with more volatile markets. Additionally, a beneficiary in Broadlands can rest assured that their investments in their local economy will help create jobs, stabilizing the local market, and providing greater economic security.
Can I withdraw or borrow from a variable life insurance policy Broadlands?
In Broadlands, VA, you may be able to withdraw or borrow cash value from a Variable Life Insurance policy. However, you should first discuss the details with your trusted insurance professional. There are tax consequences to taking out a loan, so you'll need to determine if that's the best option for your financial situation. Additionally, if you choose to withdraw money, you may be subject to withdrawal charges and that may adversely affect your death benefit. Ultimately, when considering withdrawal and borrowing from Variable Life Insurance, it is important to carefully weigh the pros and cons with a qualified insurance professional.
Is there a death benefit guarantee with variable life insurance near Broadlands?
Variable life insurance is an attractive option for Broadlands, VA families who want to create a financial legacy. With this type of life insurance policy, the death benefit is not fixed and will depend on the performance of the underlying investments, which can be tailored to meet the unique financial needs and goals of local policy holders. With variable life insurance, policy holders have the potential to significantly increase the death benefit through the growth of their policy's investments. As an added benefit to Broadlands, VA residents, flexible premiums provide an additional opportunity to maximize the death benefit.
What are the surrender fees for a variable life insurance quote Broadlands?
The surrender charges associated with variable life insurance policies vary depending on the state in which the policyholder lives. In Broadlands, VA, there are general guidelines that must be followed which include a 7-year surrender period with a surrender charge of up to 9% in the first year and approximately 1-2% after that. In some instances, surrender charges may extend up to 10-15 years and may gradually decrease anywhere from 5.7% to 4.5%. It is always recommended to check with your insurance broker for a more detailed understanding of the surrender charges for your individual policy.
Variable life insurance may be suitable for addressing short-term coverage needs for some individuals living in Broadlands, VA. It is important to speak with an insurance specialist to assess if this kind of coverage is the right option for you. Variable life insurance policies provide beneficiaries with life insurance benefits, as well as the potential for builds in cash value over time. If you want to combine the life insurance coverage with a long-term savings strategy, variable life insurance might be a great option for you.
Do variable life insurance policies near Broadlands provide guarantees on returns?
Variable life insurance can provide flexible, tax-advantaged options for people seeking growth potential for their investments. In Broadlands, VA, variable life insurance policies will offer different types of funds to invest in, ranging from conservative to aggressive funds, so policyholders can decide on a plan that best fits their unique financials goals. While there are no guarantees on investment returns, policies often offer benefits such as guaranteed death benefits, living benefits, and customized attributes so Broadlands, VA residents can get a plan that fits their individual financial situation.
Are management fees for variable life insurance in Broadlands similar to mutual funds?
At Broadlands, VA, the management fees for variable life insurance typically are comparable to regular mutual funds. However, variable life insurance offers more customizable features, allowing customers to tailor their insurance coverage to better fit their individual needs. With variable life insurance, customers can select among an array of different subaccounts, including a mix of equities, bonds and/or money market funds. This provides customers with a range of options to choose from and can provide potential tax advantages, depending on a variety of factors.
How liquid is the cash value of my Broadlands variable life insurance policy?
The cash value liquidly of a variable life insurance policy in Broadlands, VA is determined by both the carrier and the current market value of the investments chosen. Variable life insurance policies offer you a variety of investment options, allowing you to adjust your policy as needed depending on the performance of your chosen investments. In Broadlands, VA, these policies are very liquid, as you can withdraw the cash value of the policy at any time, or even borrow from the policy while keeping it in force.
Can I convert from term life insurance with a Broadlands variable life insurance company?
Yes, you may be able to convert your term life insurance policy to a variable life insurance policy. In Broadlands, VA, there are a few key steps you should follow to undertake this conversion. First, you need to determine whether your current life insurance policy allows you to convert. Second, if it does, then you should contact a qualified insurance representative in Broadlands, VA to discuss your available options and advise you on the best way forward. They will be able to explain the features and benefits of converting the policy to variable life insurance, as well as any associated cost.
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