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With PolicyHub you get to compare over 37 Clearwater, FL 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 Clearwater, FL. 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 Clearwater, FL.
Frequent Questions...
Individuals who are looking for a flexible long-term policy option as well as the potential to build tax-deferred investments tailored to their needs may want to consider purchasing variable life insurance. This financial planning tool is especially helpful to those living in Clearwater, Florida, considering that the area experiences a wide range of extreme weather patterns, such as hurricane season, that could have a direct impact on the insurance needs of residents. Variable life insurance offers a high level of financial protection, as well as the potential for cash values to be used for retirement or other financial needs.
With variable life insurance quotes in Clearwater, how is the beneficiary impacted by investment performance?
InClearwater, FL, the beneficiary of an investment is affected by the performance of that particular investment in a variety of ways. If the performance of the investment is strong, the beneficiary's overall return is likely to be significantly higher than if the performance was negative. In addition, the value of the beneficiary's portfolio will also be positively impacted by the performance of the investment. This is because strong performance often increases the value of the portfolio, thus providing the beneficiary with greater opportunity for long-term financial gain.
Can I withdraw or borrow from a variable life insurance policy Clearwater?
In Clearwater, FL you may be able to withdraw or borrow against the cash value of your variable life insurance policy. This is based upon the type of policy you have as well as the deductible available on the policy. Some policies offer no-load policies that allow you to access the value through loans or withdrawals without being subject to surrender charges. It is important to contact your insurance provider to discuss the available options and the terms, conditions and fees associated with each before withdrawing or borrowing from the policy.
How often can I modify my investments in variable life insurance near Clearwater?
In Clearwater, FL, you can change your investment choices with variable life insurance as often as you like, provided that you are in accordance with the guidelines and policies of your insurance provider. It is important to keep in mind that frequent changes may have a negative effect on the diversification of your portfolio, so it's wise to review the pros and cons of altering your choices beforehand and make sure to thoroughly research the underlying investments of the options available before making any changes.
What are the surrender fees for a variable life insurance quote Clearwater?
The surrender charges for variable life insurance in Clearwater, FL vary by company and are generally shown on the insurance contract. Generally, the surrender charges decline as the policy matures, but some companies can have higher surrender charges. Depending on the company, surrender charges can range anywhere from 6-9% in the first year, 5-7% in years two and three, and then continue to decrease over time. It is important to review your life insurance policy to determine the surrender charges and to ensure you understand all provisions before making any changes to your policy.
Variable life insurance is a great option for Clearwater, FL residents who need short-term coverage. This type of life insurance gives policyholders the flexibility to adjust their policies should their individual needs arise. Additionally, the policy offers a range of tax-deferred investment options, allowing policyholders to tailor their coverage to their specific needs and goals. The guaranteed death benefit of a variable life insurance policy also provides financial protection and security for the policyholder and their loved ones.
Can I upgrade variable life insurance policies near Clearwater to another policy type?
In Clearwater, FL, you have several options available if you are looking to switch from a variable life insurance policy to another type of life insurance. Your financial advisor can help you review the different types of policies available and assess which one is best suited to your individual needs and goals. From term life insurance to whole life insurance, there are options available that could provide the coverage you need.
Are management fees for variable life insurance in Clearwater similar to mutual funds?
Generally speaking, the management fees associated with variable life insurance in Clearwater, FL can be comparable to regular mutual funds. Fees are most often calculated as a percentage of the funds under management. That percentage may vary between insurance companies and policies, so it is best to review the details carefully before making a decision. It is, however, not uncommon to see asset management fees assessed on both variable life insurance and mutual funds. Ultimately, it is best to consult an independent financial planner to weigh your options accordingly.
Is the cash value in my Clearwater variable life insurance policy safe from creditors?
It depends on where you live. In Clearwater, FL, the cash value of variable life insurance may not be protected from creditors, but you may still have some protections under certain circumstances. The Balance Legal website states that policy owners in Florida might be able to shield their cash value from creditors if they transfer their policy to a protective trust. Regardless, it's always best to speak with an attorney or financial expert in the Clearwater area to understand the risks and ensure your cash value is safe.
How do loans affect death benefits with my Clearwater variable life insurance company?
Policy loans from variable life insurance in Clearwater, FL impact the death benefit because they reduce its amount proportional to the outstanding loan amount. Therefore, if the policyholder does not repay the policy loan in full before passing away, the heirs or beneficiaries of the policyholder will receive a reduced death benefit from the amount stated in the policy. In addition, the life insurance company subtracts interest from the death benefit before disbursing it to the heirs or beneficiaries, and thereby further reduces the death benefit payout.
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