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With PolicyHub you get to compare over 37 Brookfield, WI 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 Brookfield, WI. 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 Brookfield, WI.
Frequent Questions...
A variable life insurance policy is an attractive choice for Brookfield, Wisconsin residents because it provides a competitive level of financial protection and can be tailored to meet individual needs. Primary components of this type of policy include a cash value component, meaning a portion of your premiums build up in your policy that can be accessed or borrowed; a death benefit component, which provides benefit for your beneficiaries if you pass away; an investment component which allows you to create a portfolio of investments to back your policy; and, a variable expenses component which allows you to manage your policy's cost.
Do variable life insurance quotes in Brookfield come with a cash surrender value?
Yes, variable life insurance policies typically have a cash surrender value, and the details of this depend on the specific policy issued. Here in Brookfield, WI, this means that if policyholders decide to cancel their variable life policy and cash out, they can receive a specific amount of cash due to the cash surrender value of the policy. It's important to note that this amount may be more or less than the amount of premiums paid, depending on how the policy was invested.
Can I withdraw or borrow from a variable life insurance policy Brookfield?
In Brookfield, WI, you may be able to withdraw or borrow against the cash value of your variable life insurance policy. However, it is important to consider the potential tax and other financial implications. For this reason, it is highly recommended that you seek advice from a financial advisor or tax specialist to discuss whether this type of withdrawal is right for your unique financial situation. It is also important to recognize that an early or large withdrawal may negatively affect your policy's benefits, including reducing the death benefit and increasing your likelihood of reduced cash value or policy lapse.
What fees are there with variable life insurance near Brookfield?
Brookfield, WI residents looking into variable life insurance will be subject to the fee structures of the individual policy you choose. Many policies come with a mortality/expense charge, administrative fees that cover general expenses, and various policy fees associated with account maintenance. The greatest fees associated with variable life insurance may come from the underlying investments chosen. It's important to compare the fees and performance of the underlying fund investments against one another to avoid unknowingly paying higher fees than necessary. Ultimately, the level of fees for variable life insurance are dependent on your specific policy and investment choices.
Is there a minimum guaranteed return with a variable life insurance quote Brookfield?
Variable life insurance in Brookfield, WI, offers the potential for policyholders to earn greater returns than fixed life insurance policies, however, there is no guaranteed return on investment. Substantial risk is associated with variable life insurance, and any money invested in variable life insurance is subject to the risks of the stock and bond markets. While variable life insurance may offer greater returns in the long run, policyholders could also experience a loss in the short or long term.
Variable life insurance is not generally the best choice for short-term coverage needs in Brookfield, WI. The premiums tend to be higher than other types of life insurance policies due to their investment options, and you may not be able to access the gains for some time. If short-term coverage is needed in Brookfield, WI, it would be more prudent to look into a term life, whole life, or universal life policy that offers a more affordable option and has more unbiased coverage terms.
Do variable life insurance policies near Brookfield provide guarantees on returns?
Variable life insurance in Brookfield, WI can be an attractive option for those looking for an investment with potential for growth. While variable life insurance does not guarantee investment returns, this form of life insurance at its most basic level offers beneficiaries a death benefit upon the passing of the insured, and may also provide an accumulating cash value, the growth of which varies with market conditions and the performance of the underlying subaccounts chosen. This can be an especially attractive option for those in Brookfield, WI interested in taking a more active or hands-on approach to their investments.
How regularly should I check my variable life insurance in Brookfield?
Reviewing your variable life insurance policy is a key part of properly managing your coverage in Brookfield, WI. It's recommended that this review take place annually or when life changes, such as marriage, job changes, or a move. Many potential benefits can become available as you and your policy age, and it's important to stay informed and take full advantage of the policy's features. Additionally, premium changes should be monitored periodically and kept in line with the evolving costs of living in Brookfield.
Is my Brookfield variable life insurance policy considered permanent life insurance?
Variable life insurance is a type of permanent life insurance, but with an added layer of flexibility and investment possibilities. For those in Brookfield, Wisconsin looking for long-term protection while also having the chance to potentially increase their cash value, variable life insurance may be the right policy for them. This type of life insurance provides coverage for the lifetime of the plan, and is coupled with an underlying investment component that allows the policy owner to choose how to invest their premiums and potentially increase their cash value account, while still having the assurance of permanent life insurance protection.
What's the typical duration of terms with a Brookfield variable life insurance company?
Variable life insurance policies vary in duration depending on the policyholder’s needs. In Brookfield, WI, most variable life insurance policies provide coverage for the duration of the policyholder’s life because of the certainty and stability of coverage they offer. The policyholder can also choose a predetermined period of time during which they are covered, which usually range from one to twenty years. As the policyholder’s needs may change over time, many variable life insurance policies in Brookfield, WI allow for premiums to be adjusted accordingly.
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