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With PolicyHub you get to compare over 37 Colorado Springs, 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.
Get started in less than 15 minutes.
With PolicyHub getting started is easy. Compare all the Variable Life Insurance rates from all the providers in Colorado Springs, 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 Colorado Springs, CO.
Frequent Questions...
Residents of Colorado Springs, CO who are looking for an investment with long-term growth potential should consider variable life insurance. Variable life insurance offers a cash value component that increases in value over time on both a tax-deferred basis and on a tax-free basis. This gives residents the potential to accumulate significant wealth for their future. Additionally, variable life insurance provides a death benefit to the policyholder's beneficiaries, giving them financial security if the policyholder were to pass away. Additional features such as the ability to make changes to the policy as needed may also add value for the policyholder.
With variable life insurance quotes in Colorado Springs, how is the beneficiary impacted by investment performance?
In Colorado Springs, CO, the beneficiary of an investment performance can expect to benefit from both the short-term and long-term gains associated with the investment. The immediate dividends and returns help the beneficiary to recoup the investment, while long-term investments bring financial stability and potentially increased value over time. Additionally, the impact of an investment can be felt by the beneficiary's finances, providing a potential source of supplemental income and value long after the initial capital is spent.
What potential risks are there with a variable life insurance policy Colorado Springs?
In Colorado Springs, CO, one of the potential risks associated with variable life insurance is the risk of investment loss. The premiums are invested in the stock market, and if the stock market declines, there can be a significant loss of cash value as a result. Additionally, the policy holder assumes the risk of life insurance costs increasing significantly due to adverse experience of a large group of policy holders. Finally, there is a risk of surrender charges if the policy holder terminates the policy before it has matured. If these charges are not taken into account, the policy holder could incur unexpected costs.
Is there a death benefit guarantee with variable life insurance near Colorado Springs?
Variable life insurance policies vary in their provisions. However, in Colorado Springs, CO policyholders can often rest assured their policy includes a guaranteed death benefit. This means their survivors will receive the agreed-upon death benefit upon the policyholder’s passing, regardless of the performance of the underlying investments in the policy. This financial protection is often certain for a period of time or may even be permanent, depending on the company and type of policy.
How does a variable life insurance quote Colorado Springs handle dividends?
In the state of Colorado Springs, CO, variable life insurance dividends are used to purchase more life insurance, reduce the cost of insurance, increase the cash value, or be sent directly to the policyholder in the form of a check. The policyholder has the freedom to choose how dividend proceeds are used and should always work with a qualified insurance specialist to determine which option provides the most beneficial outcome. Generally, the flexibility of variable life insurance premiums makes dividends a valuable asset that can be invested in a tax-free environment, and an excellent choice for those looking to maximize their sidearm investment returns.
Generally, purchasing variable life insurance in Colorado Springs, CO has an age restriction of 59 and half years. This age varies depending on the insurance company or type of insurance chosen, so it's important to review the details of the policy before making a purchase decision. If you are under 59 and half years of age, you may not be able to purchase a variable life insurance policy in Colorado Springs, however there are other purchase options available, such as term life insurance. It's important to work with an experienced insurance agent to find the best option that meets your individual needs.
How does cash value growth influence death benefit with variable life insurance policies near Colorado Springs?
The cash value growth in variable life insurance can ultimately provide enhanced death benefits to beneficiaries in Colorado Springs, CO. As the policyholder pays their premiums, the cash value component accumulates over time, allowing them to use this growth in the event of an emergency or to supplement their plan. In the event of the policyholder's death, the beneficiaries of the life insurance policy can receive the sum of the cash value growth plus the initial death benefit amount. The advantage of choosing a variable life insurance policy is that the cash value accumulates at a quicker rate with potentially higher returns and maximum flexibility.
Are management fees for variable life insurance in Colorado Springs similar to mutual funds?
In general, the management fees for variable life insurance in Colorado Springs, CO are similar to those of regular mutual funds. However, it is important to remember that different providers and plans may charge different costs. Comparing the costs of an insurance plan in Colorado Springs to that of one in a different region may not be an accurate reflection of the fees charged for the same plan. Accordingly, it may be beneficial to contact a local insurance professional to discuss the options available in Colorado Springs and to determine the management fees associated with these funds.
Can I use my Colorado Springs variable life insurance policy for retirement savings?
Absolutely, variable life insurance can be used as a retirement savings vehicle in Colorado Springs, CO. Variable life insurance provides flexible premium payments, along with tax-deferred growth potential and death benefits which make it an attractive choice as a retirement savings vehicle. Additionally, those who purchase this type of life insurance in Colorado Springs may be eligible for lower premiums due to the higher quality of life compared to other states. With control over funding levels and investment options, variable life insurance is a great way to supplement retirement savings while allowing for potential growth in market cycles.
Do I get dividends from my Colorado Springs variable life insurance company?
Depending on the type of policy and investments associated with it, investors in Colorado Springs, CO may receive dividends from their variable life insurance. Generally, a variable life insurance policy invests the premium portion into stock and bond market-related products, instead of into the cash value portion. It is important to check the terms of the policy to see if dividends are available, as some policies may not provide them. The amount of dividends and frequency can vary, but usually dividends will be paid to the policyholder, regardless of whether the policy is in-force or the premiums are not being paid.
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