Compare over 37 Variable Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Coral Springs, FL Variable Life Insurance policy providers in as little as 15 minutes. Save time. Save big. Get started now.
Find the perfect plan from over 37 providers
Your one-stop-shop to compare all the rates, all at once.
With PolicyHub you get:
Over 37 policy provider comparison.
Explore multiple policies from all the leading insurers and choose the one that fits your needs.
Locked in rate discount and exclusive deals.
Benefit from exclusive deals offered only to residents of your state, and lock in huge rate discounts.
Customized policies just for you.
Our team tailors policies to your unique needs, meaning optimal coverage at competitive rates.
"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
ATTN: 2024 Variable Life Insurance rates just released!
Get the latest Variable Life Insurance rates for 2024 and lock in your policy today! Get started comparing policies right now.
Get the Variable Life Insurance plan with the cheapest rates in 3 easy steps.
Done in 3 easy steps
Step 1
Tell us about yourself.
Finding the perfect life insurance policy starts with answering a few questions to help us serve you better.
Step 2
Compare rates & plans.
Discuss your options with a licensed insurance agent. Compare plans to find the best policy & cheapest rates.
Step 3
Lock in cheap rates.
Secure the lowest rates and lock in the perfect life insurance policy for you and your family.
"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 Coral Springs, 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.
Save time and get the best Variable Life Insurance policy with the cheapest rates. Guaranteed.
![]() |
Option 1 | Option 2 | ||
---|---|---|---|---|
100% Digital | ||||
Licensed Agents | ||||
Expert Support | ||||
Get Started in 15 minutes | ||||
Decades of Experience | ||||
Compare 37+ Providers | ||||
Zero Hidden Costs | ||||
Top Insurance Providers |
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 Coral Springs, FL.
Frequent Questions...
A variable life insurance policy is a type of insurance policy that provides both death benefit protection and an investment opportunity. Primary components of this policy include an accumulation account, a fixed account, and a death benefit. In Coral Springs, FL, variable life insurance policies are especially popular among young professionals, retirees, and families due to the flexibility offered by the policies. These policies enable policyholders to allocate their funds into a number of different investment options tailored to their individual risk-tolerance levels.
Are there early withdrawal penalties for variable life insurance quotes in Coral Springs?
In Coral Springs, Florida, early withdrawal from the cash value can result in a withdrawal charge of up to 7%, depending on when it is taken and how long the contract has been in force. Early withdrawal may also cause a reduction in the guarantee or non-guaranteed cash values provided by the policy, and a portion of the withdrawal may be taxable as earnings, depending on your policy agreement. It is best to consult with a qualified advisor to determine what penalties you may incur for early withdrawal from the cash value, or to make sure you're taking the most benefit from your policy.
What are the tax aspects of a variable life insurance policy Coral Springs?
The tax implications of variable life insurance depend on the individual’s particular circumstances and residency. In Coral Springs, Florida, residents who own variable life insurance policies may be subject to taxes on any revenue generated by the investment. Depending on the source of revenue, such taxes may include income taxes, capital gains taxes, transfer taxes, and more. In certain cases, policyholders may also be eligible for tax deferral, which may help to save money in the long run.
Do I need to understand investments for variable life insurance near Coral Springs?
In Coral Springs, FL, you don't need to be investment-savvy to purchase variable life insurance. Variable life insurance is a type of permanent life insurance policy that combines a death benefit with an investment component and offers policyholders flexibility and potential growth through mutual fund investments. To purchase a variable life policy in Coral Springs, simply consult your life insurance agent who can help you select the right policy and will consult with you to make sure that your specific goals are met.
Can I include riders in my variable life insurance quote Coral Springs?
Yes, it is possible to add riders to a variable life insurance policy in Coral Springs, FL. Many insurers in this area offer customizable options for policy holders to increase their coverage and guarantee certain protections. Common riders available on variable life insurance policies in Coral Springs, FL can include Death Benefit enhancements, Living Benefits, Waiver of Premium, Accelerated Death Benefit, Child Coverage, and Long-Term Care riders. Discussing all of the available riders and the benefits they provide is a great way to tailor a policy to your personal needs.
Fund transfers within the policy in Coral Springs, FL may be subject to certain limitations. This depends on several factors such as the type of policy, the terms of the specific policy, and the spending caps imposed by the insurance company. It's important to consult with your policy provider to find out more about the applicable limits for transfers within the policy. If you have questions, you can contact your agent to get the answers you need.
Do variable life insurance policies near Coral Springs provide guarantees on returns?
Variable life insurance policies in Coral Springs, FL are unique in that they offer certain guarantees on investment returns. For example, you may receive an interest rate guarantee that allows you to benefit from a minimum return while also being able to participate in the greater returns from the underlying investments. Additionally, your death benefit can be set up to be guaranteed, meaning that if you die prematurely, your beneficiaries will always receive a minimum return. These guarantees provide a level of financial security and peace of mind that is unmatched by other policies of this type.
Are management fees for variable life insurance in Coral Springs similar to mutual funds?
The management fees for variable life insurance in Coral Springs, FL can be comparable to those of regular mutual funds, depending on a few factors. Generally, the fees associated with variables life insurance are a bit higher. This is because the scope of the coverage is more extensive. That said, comparing the two on a one-to-one basis can be tricky because the rate of returns on variable life insurance may be higher, depending on the performance of the stocks, bonds, and other assets in which the policy is invested.
Is the cash value in my Coral Springs variable life insurance policy safe from creditors?
In Coral Springs, FL, the cash value of a variable life insurance policy is protected from creditors. Florida law provides individuals with strong protections to safeguard the money they've put aside for their families. Under Florida Statutes 222.14, assets within a life insurance policy are exempt from creditors, allowing individuals to rest assured that any money they’ve held in their variable life insurance policy is not subject to any creditor claims. Additionally, many life insurance companies will provide additional policy provisions to strengthen cash value protection.
How do loans affect death benefits with my Coral Springs variable life insurance company?
Policy loans from variable life insurance can have a dramatic impact on the death benefit for policy holders in Coral Springs, FL. While the loan itself is tax-free, any interest accrued on the loan will reduce the death benefit due to the policyholder's beneficiaries. Additionally, if it is not paid back before death, the outstanding balance will be deducted from the death benefit at the time of the policyholder's passing. Therefore, it is important to carefully consider the impact that taking out a policy loan may have on the death benefit when making decisions about life insurance plans.
Compare Coral Springs, FL Variable Life Insurance Policies
Get started today and compare over 37 Variable Life Insurance providers in as little as 15 minutes.
© 2024 PolicyHub - all rights reserved