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With PolicyHub you get to compare over 37 Columbus, 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 Columbus, 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
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 Columbus, OH.
Frequent Questions...
The primary components of a variable life insurance policy in Columbus, OH are a death benefit, a policy value, and an accumulation value. The death benefit is the amount of money that will be paid out to the beneficiary when the insured passes away. The policy value is the amount of money that is guaranteed by the insurer to the policyholder. The accumulation value is made up of the policyholder's contributions and investment returns on their investments and these are not guaranteed by the insurer.
Can I use my variable life insurance quotes in Columbus as collateral?
In Columbus, OH, variable life insurance policies may be used as collateral for loans depending upon the terms of the loan and its agreement. It is important to speak with a professional lender who holds experience and expertise in matters involving securitizing of life insurance policies. Generally speaking, this type of loan can help those seeking to finance unexpected expenses or satisfy certain obligations. Speaking with a professional lender on this matter will help to determine your eligibility for obtaining a loan using a variable life insurance policy as collateral.
What potential risks are there with a variable life insurance policy Columbus?
Variable life insurance in Columbus, OH carries certain risks. Like other types of investing, the underlying assets of the policy are subject to market fluctuations that can decrease the policy's value. Variable life policies can also come with fees and expenses associated with policy features. Additionally, the death benefit may not be flexible and the premiums may be variable, based on how well the underlying investments perform. Consumers should conduct due diligence and personally assess whether a variable life policy is the right product for their situation, to potentially reap the benefits without significant risks.
What fees are there with variable life insurance near Columbus?
In Columbus, OH, fees associated with variable life insurance depend on the policy you choose. Generally speaking, you may expect to pay administrative fees, policy-related costs, premium taxes, or even premium surcharges in some cases. Rates for each of these fees vary depending on the level of coverage, the company you purchase your policy from, and other factors. It's important to read the fine print in any variable life insurance policy you are considering because fees may vary from policy to policy.
Can I include riders in my variable life insurance quote Columbus?
Yes, you can add riders to your variable life insurance policy if you decide to purchase this type of product while living in Columbus, OH. Many insurance companies in the area offer a variety of riders that allow you to customize your coverage and ensure that you are protecting your family or business in the event of an untimely death. It is important to remember that if you do add a rider to your policy, the premiums associated with that rider may be slightly higher than those associated with the regular policy.
Variable life insurance is an ideal financial solution for residents of Columbus, Ohio. It provides policy holders with many benefits, including a death benefit that could provide financial security for their surviving family. Furthermore, variable life insurance offers a range of investment options that can potentially provide policy holders with the potential for significant cash-value accumulation and competitive returns when compared to traditional savings accounts. In addition, policy holders can have the ability to adjust their premiums and coverage amounts as their individual needs and financial situation changes.
How does cash value growth influence death benefit with variable life insurance policies near Columbus?
In Columbus, OH, variable life insurance policies provide the potential for cash value growth, which ultimately enhances the death benefit. This outcome is possible due to the fact that allocating premium payments to an investment account within the policy may grow tax-deferred while increasing the death benefit. In the event of death, the policy's death benefit serves to cover expenses such as final medical costs, funeral costs, and outstanding liabilities.
Are management fees for variable life insurance in Columbus similar to mutual funds?
In Columbus, OH, yes, the management fees for variable life insurance can generally be comparable to regular mutual funds. Typically, fees depend on the type of product and the fund. For example, variable life insurance policies may charge a premium based on various factors, such as the cost of insurance, expense loads, and other policy charges. On the other hand, regular mutual funds may charge a management fee which could be based on the total amount invested in the fund. Some variable life insurance policies in the Columbus, OH area could have a lower management fee if it is part of a larger portfolio.
Can I use my Columbus variable life insurance policy for retirement savings?
Yes, residents of Columbus, OH can use variable life insurance as a retirement savings vehicle. Variable life insurance allows policyholders to reinvest the cash value of their policy in a variety of mutual funds. This flexibility allows an investor the ability to customize their portfolio to meet their retirement savings needs and objectives. Additionally, variable life insurance provides for tax-deferred growth and, in many cases, tax-free withdrawals during retirement, making it a great component of one's retirement savings plan.
How do loans affect death benefits with my Columbus variable life insurance company?
Policy loans from variable life insurance issued in Columbus, OH can significantly reduce the death benefit of the policyholder if left unpaid. Any outstanding policy loan balance is deducted from the death benefit before the money is dispersed to the beneficiaries. To avoid impeding the death benefit, borrowers should make sure they are making the minimum payments necessary, as failing to do so could diminish the death benefit for their recipients.
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