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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 Clovis, NM. 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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Mark Sidway
Variable Life Insurance agent
Mark Sidway is a Variable Life Insurance agent licensed in your state.
Cale Reeves
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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 Clovis, NM.
Frequent Questions...
Variable life insurance in Clovis, NM is a form of permanent life insurance that allows the policyholder to choose from the range of investment options available within the policy, such as stocks, bonds, and mutual funds. Policyholders also have the flexibility to vary the amount of premium each year according to their needs. As their financial situation changes, they can adjust their premium accordingly. As the cash value builds up over time, the policyholder has access to the cash value for personal use or to pay premiums. This makes variable life insurance an attractive choice for long term asset protection and estate planning.
Do variable life insurance quotes in Clovis come with a cash surrender value?
Yes, variable life insurance does have a cash surrender value in Clovis, NM. The amount of this value will be determined by the carrier and is typically based on the policyholder's premiums, the surrender charge and the current state of the policy's investments. It's important to note that in some cases, the cash surrender value may be the same or even lower than the amount of premiums paid into the policy. Nevertheless, policyholders in Clovis, NM have the option to request this surrender value should they decide to cancel their policy.
With a variable life insurance policy Clovis, can I decide where my premiums are invested?
Yes, with variable life insurance policies in Clovis, NM you can choose where your premiums are invested. You can customize your investments by selecting from a wide range of product options including stocks, bonds, index funds, mutual funds as well as other types of investments. By having control over where your premiums are invested, you can maximize potential earnings and diversify your personal investment portfolio according to your own particular goals and needs.
Is there a death benefit guarantee with variable life insurance near Clovis?
In Clovis, NM, variable life insurance does not provide a guaranteed death benefit. Instead, variable life insurance is different from traditional life insurance policies because the death benefit amount is based on the performance of the policy's underlying investments. Therefore, the death benefit of your variable life insurance policy may increase, decrease, or remain the same depending on the success of the investments. If you are looking for a guaranteed death benefit, you may want to consider a fixed,[ sometimes referred to as traditional,] life insurance policy.
Can I include riders in my variable life insurance quote Clovis?
In Clovis, NM, adding riders to your variable life insurance policy is typically allowed. Usually, policies can be set up with a base amount of benefits plus riders you can add to customize it and give you additional coverage. Depending on the provider, you may be able to add riders for additional death benefits, disability benefits, accelerated death benefits and/or accelerated living benefits to name a few. It is always best to discuss all the available rider options with your insurance agent, as riders vary by policy. That way, you can ensure you customize the coverage to meet your specific needs.
In Clovis, NM, age restrictions for buying variable life insurance vary from provider to provider. Generally, one must be at least 18 years old to purchase a policy. If the policyowner is under the age of 25, certain companies may require additional requirements such as proof of insurability, a physical examination, or additional forms and documents. In New Mexico, it's also important to check the state guidelines. There may be special provisions regarding age and rules that must be followed. Whatever the case, it's important to research your options carefully before deciding which insurance policy is best for you.
Can I upgrade variable life insurance policies near Clovis to another policy type?
Yes, you can upgrade your variable life insurance policy to another type of policy in Clovis, NM. Your local insurance broker can provide you with more information as to which type of policy might be best for you and your specific needs and current financial situation. They will be able to advise you on the best options to explore in order to get the coverage that you need. There are many different plans available, including whole life, universal life, and annuity policies. Additionally, you may be able to qualify for additional discounts or benefits based on your specific age, health, and financial standing.
Are management fees for variable life insurance in Clovis similar to mutual funds?
Generally, the fees associated with variable life insurance policies are comparable to the fees for regular mutual funds. That said, costs can vary between providers and depending on the policyholders' specific needs and circumstances, so it's important to conduct thorough research before making a decision in Clovis, NM. It's also worthwhile to talk directly with representatives from local providers to get an understanding of the available options and costs associated with each one. Doing so can help ensure that you select a policy that offers the best value and most attractive terms.
How liquid is the cash value of my Clovis variable life insurance policy?
In Clovis, New Mexico, the cash value of a variable life insurance policy is extremely liquid, as policyholders can access their cash savings whenever they need it. However, it's important to keep in mind that withdrawing funds from a variable life insurance policy may have negative consequences, such as reducing the death benefits, or even surrendering the policy if withdrawals exceed a certain limit. Speak to your insurance provider to get a better understanding of how liquid your cash value is and the potential tax implications that withdrawing funds may have.
Can I convert from term life insurance with a Clovis variable life insurance company?
Yes, if you live in Clovis, NM you can convert your term life insurance policy to a variable life insurance policy. Usually, to do this you must contact your insurance provider or financial adviser for advice. They can explain the conditions, costs, and other details associated with the conversion process. However, you should consider the risks associated with a variable life insurance policy, such as market fluctuations and how they could affect your premiums. Additionally, your policy may come with surrender fees, so you should do your research thoroughly before committing to the conversion process.
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