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With PolicyHub you get to compare over 37 Centennial, CO 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 Centennial, CO. 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 Centennial, CO.
Frequent Questions...
In Centennial, Colorado, variable life insurance premiums can vary based upon the funds chosen and the performance of your investments. When looking for variable life insurance in Centennial, it's important to speak with an insurance representative who is knowledgeable about the outcomes of the different funds available. Depending on the plan, payments may remain fixed despite the performance of the underlying investment, but this could mean sacrificing potential growth and/or missing out on tax advantages. A qualified insurance advisor can help you decide if variable life insurance is right for you and to determine the best way to achieve your goals.
Can I use my variable life insurance quotes in Centennial as collateral?
While it is possible to use variable life insurance as collateral for a loan, the specific details may vary based on where you live and the lending institution. In Centennial, Colorado, the rules and regulations regarding what can and cannot be used as loan collateral will vary from lender to lender. Before using an existing variable life insurance policy as collateral, you should speak with your lender and find out what their qualifications and restrictions are for using an insurance policy in this manner. Additionally, you may need to meet certain requirements for the loan such as a minimum credit score and a steady income.
What are the tax aspects of a variable life insurance policy Centennial?
In Centennial, Colorado, the tax implications of variable life insurance depend on the terms of your policy. Generally, individuals will not face any taxes if the cash value is surrendered and the gains are used to purchase another life insurance contract. However, individuals may face possible taxes on the interest earned or on the growth in the cash value of the life insurance policy if withdrawals of the gains are made above the total premiums paid in. Additionally, withdrawals taken prior to the age of 59 1/2 may be subject to a 10 percent penalty.
Is there a death benefit guarantee with variable life insurance near Centennial?
In Centennial, CO, variable life insurance policies do not include a guaranteed death benefit, though some policies may offer a limited death benefit. This means that the amount of death benefit paid out for the policyholder would depend on the performance of the variable life insurance policy's investments. Generally, the initial premium is at least partly allocated towards the investments, and if the investments perform well, then the death benefits may be larger than expected. Also, depending on the type of policy, you may be able to cash out the policy earlier than planned in order to receive a portion of death benefits.
Can I include riders in my variable life insurance quote Centennial?
Yes, you can add riders to your variable life insurance policy in Centennial, CO. Your financial adviser or life insurance company can review your specific needs and provide you with options to customize the coverage of your variable life insurance policy. Riders can expand the range of benefits available to you, such as waiver of premium or disability, and can often be tailored to address your particular concerns. Be sure to discuss with your financial adviser the types of riders that might best suit your needs.
Variable life insurance is generally a long-term solution to provide financial security to policyholders in Centennial, CO, and is not typically viewed as an appropriate choice for short-term coverage needs. However, if you are looking for short-term protection in Centennial, CO, other plans such as term life insurance may be more suitable. With term life insurance, policyholders benefit from a predetermined policy length as well as set and level premium payments and death benefits.
How does cash value growth influence death benefit with variable life insurance policies near Centennial?
In Centennial, CO, the cash value growth of a variable life insurance policy can have a direct impact on the size of its death benefit. When a policyholder makes regular contributions to their policy, the cash value accumulates and grows. This growth increases the amount of death benefit available to beneficiaries who are named in the policy. It's important to remember that the cash value of a variable policy is subject to market volatility and can decrease in value due to a decline in the financial markets.
How can I monitor performance of my variable life insurance in Centennial?
At Centennial, CO's branch of Menett & Sons Insurance, tracking investment performance in a variable life insurance policy is made easy thanks to our knowledgeable team. Our advisors have years of experience in financial planning and can answer any questions you may have. We offer various account management services to help you understand and keep track of the investments you make. With a clear financial overview, you can be sure to actively manage your investments and make the best decisions for your future.
Can I use my Centennial variable life insurance policy for retirement savings?
In Centennial, CO, variable life insurance can indeed be used as a retirement savings vehicle. Variable life insurance policies are typically taken out with cash value components, which can be withdrawn or borrowed against during retirement. Additionally, policyholders can commonly choose to invest in the stock or bond market through a separate account within the insurance policy. The tax-deferred growth and premiums of a variable life insurance can offer attractive benefits for those nearing retirement. Consult with a qualified financial advisor to determine whether this retirement savings vehicle is right for you.
What's the typical duration of terms with a Centennial variable life insurance company?
The typical duration of a variable life insurance policy in Centennial, CO can vary, depending on the needs of the policy holder. Variable life insurance policies can range in length from one to 30 years, and some policies may include an option for the policyholder to renew their policy after expiration. Because of the individualized approach and flexible terms, variable life insurance provides greater financial security and protection to policy holders in Centennial, CO.
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