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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 Burleson, TX. 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 Burleson, TX.
Frequent Questions...
Variable life insurance is a type of life insurance policy that provides financial protection to your family in the event of your passing, and includes a cash value component. In Burleson, TX, variable life insurance policies can offer an additional benefit in the form of a tax-advantaged savings account. Policyholders can direct investments with the proceeds of this savings account, which can grow over time and yield higher returns than many other financial accounts. The policyholder can adjust their contributions and investments over the life of the policy, allowing them to tailor the policy to their needs.
Are there early withdrawal penalties for variable life insurance quotes in Burleson?
Yes, there are penalties for early withdrawal from the cash value. These penalties vary depending on where you live and the specifics of the savings plan. In Burleson, Texas, early withdrawal may be subject to a surrender fee or other kinds of taxes and penalties. Depending on the situation, you can expect to pay federal and state income taxes, as well as a penalty based on your age and a surrender charge. It's important to carefully consider the potential penalties before making any decisions about withdrawing from the cash value.
With a variable life insurance policy Burleson, can I decide where my premiums are invested?
Yes, you can choose where your premiums are invested with variable life insurance if you live in Burleson, TX. This type of insurance involves investing your premiums in either mutual funds, stocks, bonds and even cash. You have the flexibility to change your investment regularly to better suit your needs and goals. An advisor can help you determine an appropriate investment portfolio for you based on your individual financial situation and risk tolerance. They can even recommend specific investments or put together a financial plan designed to help you reach your financial goals.
What fees are there with variable life insurance near Burleson?
In Burleson, TX, the fees associated with variable life insurance depend upon several factors, such as the insurance provider, the type of policy, and the amount of coverage chosen. Generally speaking, these fees may include premiums, mortality and expense charges, sales and administrative fees, contract charges, cost of options and riders, and other fees such as surrender charges and loan interest. It is also possible to incur fees when changing the beneficiaries or policy type as well as when withdrawing or borrowing against cash values. Ultimately, these fees will differ from person to person depending on a variety of factors.
Is there a minimum guaranteed return with a variable life insurance quote Burleson?
Variable Life Insurance in Burleson, Texas can provide policyholders with attractive potential for returns, but there is no guarantee of a minimum return as that would depend upon the performance of the underlying investment accounts. It is possible to create returns that exceed those from many fixed alternatives, but there are also potential risks to consider. As with any financial products, investors should conduct their own research to decide if Variable Life Insurance is right for them.
The death benefit of any investment in Burleson, TX may vary depending on its performance; as an investment gains in value, the death benefit may increase. Conversely, if the investment loses value, the death benefit could decrease. Therefore, itโs important to keep close track of the performance of investments in order to fully understand their associated death benefits. Ultimately, your financial advisor will be able to provide more detailed advice specific to your individual portfolio.
Can I direct specific investment strategies for variable life insurance policies near Burleson?
In Burleson, TX, policyholders are able to customize their cash value investment strategies within the parameters of their life insurance policy. Depending on the type of policy, policyholders may be able to choose from a range of flexible and diverse investments to help them reach their short-term and long-term financial goals. While these investment options are limited, they give policyholders the chance to meet their own specific needs and preferences. Ultimately, it's important to discuss any particular desires or questions that policyholders might have regarding their cash value strategies with their financial professionals.
How can I monitor performance of my variable life insurance in Burleson?
In Burleson, Texas, you can track the performance of your variable life insurance by working with a trusted financial advisor. An experienced advisor can provide comprehensive insights about the current financial markets and local trends that can be leveraged to track the performance of your investments and stay informed of what's happening with your policy. Additionally, you can take the initiative to review past performance and potential returns to make better decisions and track progress.
How does my Burleson variable life insurance policy handle loan interest?
In Burleson, TX, policy loans made against a variable life insurance policy by policy owners are treated as loans against the death benefits which accrue the same interest rate as the policyโs fund value. Most variable life insurance policies have an interest rate set annually but this rate can vary depending on the issuer. The interest on the policy loan must be paid by the policy owner but is normally deducted from the fund value and added to the balance owed on the policy loan. This interest will generally not affect the death benefits payable.
Do I get dividends from my Burleson variable life insurance company?
In Burleson, TX, the answer to your question is yes; dividends are often received from investments held within your variable life insurance policy. These dividends can include dividends from stocks, bonds, mutual funds, etc. Depending on the specific policy, the amount of dividends received may fluctuate, but they are typically paid on a regular basis. Depending on how the policy is structured, your dividends could be paid directly to you, or they could be reinvested to create a larger return from your policy.
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