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With PolicyHub you get to compare over 37 Clayton, OH 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 Clayton, OH. 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 Clayton, OH.
Frequent Questions...
Variable life insurance policies in Clayton, OH, differ from other life insurance plans in that they offer the policyholder the ability to invest their premiums into markets such as stocks and mutual funds. This gives the policyholder the potential to grow and diversify their overall portfolio, giving them more flexibility and control than they would have with a standard life insurance policy. Additionally, variable policies can have more expensive premiums, but can often provide death benefits higher than those provided with other policies.
Can I use my variable life insurance quotes in Clayton as collateral?
In Clayton, OH, it is possible to use variable life insurance as collateral for a loan. While most lenders may not consider it a primary security option, many times, the value of the policy can be used to secure a loan. It is important to keep in mind, however, that the value of a variable life policy can fluctuate with market conditions, so it should be studied carefully before offering it to a lender as collateral. Additionally, it is important to understand the specifics of the loan in order to make sure the policy meets the criteria for adequate collateral.
With a variable life insurance policy Clayton, can I decide where my premiums are invested?
Yes, you can choose where your premiums are invested with variable life insurance, especially in your area of Clayton, OH. There are a variety of options available, ranging from mutual funds and stocks to annuities and fixed accounts. Talk with one of our advisors to determine the best strategy based on your individual needs and objectives. They can point you in the direction of what investment options can best meet your short-term and long-term goals.
How often can I modify my investments in variable life insurance near Clayton?
Clayton, OH residents are able to make changes to their investments choices with variable life insurance as often as once a year. However, it's important to note that each change you make may also incur a fee for transaction costs, as well as potential taxable implications. If you're considering making changes to your investments, we recommend that you review your policies and seek advice from your insurance advisor or tax advisor beforehand.
How does a variable life insurance quote Clayton handle dividends?
Dividends from variable life insurance policies in Clayton, OH are not guaranteed, however, the policy-owner can elect to use the dividend to either purchase additional insurance or to increase the cash value of the policy. The dividends are flexible and can be used for other purposes; such as, paying the policy's cost of insurance or paying the future premiums. Policy-holders have the freedom to decide what’s best for them when dealing with their policy's dividends.
Variable life insurance may be an ideal choice for Clayton, OH residents with short-term coverage needs. This type of policy allows for funding flexibility, so you can adjust your contribution amount throughout the duration of the policy. This is important for those who are looking for a term policy but also want to build cash value in their coverage. Additionally, variable life policies are permanent and offer death benefit protection, meaning your beneficiary will still be able to receive some financial protection if an unexpected death were to occur.
Can I direct specific investment strategies for variable life insurance policies near Clayton?
In Clayton, Ohio, policyholders can communicate their investment preferences to the insurance company. However, ultimately it is up to the company to decide the investment strategy for the cash value. It is important for the policyholder to have an understanding of his/her insurance policy before attempting to dictate specific strategies, to ensure that the company can properly execute the policyholder's wishes. It is advisable to meet with your insurance agent to review the policy and define the best strategy for your specific needs.
Are management fees for variable life insurance in Clayton similar to mutual funds?
Yes, the management fees for variable life insurance in Clayton, OH are comparable to those of regular mutual funds. However, in addition to the cost of the management fees, variable life policies typically come with a range of benefits that regular mutual funds do not offer. These benefits might include a death benefit, premium flexibility, and tax-deferred growth. Therefore, in addition to evaluating the management fees of a variable life insurance policy, it's important to also consider the extra benefits before deciding whether or not to purchase such a policy.
Is my Clayton variable life insurance policy considered permanent life insurance?
Yes, variable life insurance is a type of permanent life insurance. In Clayton, OH, variable life insurance is an appealing option because it allows policyholders to balance the need for guaranteed protection with the opportunity to benefit from the potential increase in cash value that comes with market-based investments. Variable life insurance policies provide death benefit protection that can remain in force as long as the premiums are paid. It also allows policyholders to customize their policy so that they can make it best fit their own individual objectives and lifestyle.
Do I get dividends from my Clayton variable life insurance company?
Yes, you may receive dividends on the investments within your variable life insurance policy, depending on the type of policy and insurance provider you have selected in the Clayton, OH area. Dividends are generally returned to policyholders as either a deposit to your policy’s cash value or as a reduction to your life insurance premiums. These dividends can come from different sources, such as investments in bonds, stocks, or other insurance policies. Speak with your insurance provider to discuss how dividends could be applied to your policy and the options available to you.
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