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With PolicyHub you get to compare over 37 Covington, KY 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 Covington, KY. 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 Covington, KY.
Frequent Questions...
Variable life insurance is a type of permanent life insurance available in Covington, KY that allows policyholders to customize their plan by investing a portion of their premium in accounts with various options that include stocks, mutual funds, and bonds. Those invested accounts offer potential growth, tax benefits, access to funds, and death benefit protection. Variable life insurance provides the same death benefit protection as regular life insurance, but with additional flexibility for policyholders.
Can I cancel my policy after getting variable life insurance quotes in Covington?
Yes, you can cancel your variable life insurance policy in Covington, KY. You can contact an insurance representative to discuss the specifics of your cancellation. It is important to understand that once the policy is cancelled, you will no longer be able to have coverage or receive benefits from the policy. Depending on the insurer, you may also be responsible for any outstanding charges associated with the policy. The process of cancellation can vary based on the policy's type, but generally, it is necessary to fill out an application to cancel the policy.
How does the cash value work for a variable life insurance policy Covington?
Variable life insurance offered in Covington, KY is a type of permanent life insurance policy that allows policyholders to invest directly into the cash value component of the coverage to help grow the funds available to them. Should they choose to make no premium payments, the cash value component of the policy can grow on its own from the investment options, providing them with a life insurance and investment vehicle in one. When needed, policyholders can withdraw the available funds or even borrow against them tax free.
How often can I modify my investments in variable life insurance near Covington?
Covington, KY residents can change their investment selections with variable life insurance regularly or whenever their financial goals or needs change. Most variable life insurance companies provide clients in Covington, KY with the flexibility to review and adjust their investments as often as monthly or even daily. Additionally, some companies will waive fees based on the frequency of investment changes. A quick conversation with your life insurance provider can make sure you know exactly how often you can change your investments with variable life insurance.
What are the surrender fees for a variable life insurance quote Covington?
The surrender charges for variable life insurance plans will vary depending on the insurance provider and the plan specifics. If you're looking for this type of coverage in Covington, KY, you should get a quote from a licensed agent who can provide details on the surrender charges associated with the particular plan design you're considering.
The death benefit of an investment in Covington, KY will vary depending on the performance of the investment. Generally speaking, if the value of the investment increases so too will the death benefit but if the investment value decreases, so will the death benefit. In the event of death, the beneficiary or beneficiaries will be paid the accumulated value of the investment at the time of the individual's passing. This means that if the market or performance of the investment is going through a low period, the death benefit paid out could be significantly less than the original amount invested.
Can I upgrade variable life insurance policies near Covington to another policy type?
Yes, you can upgrade your variable life insurance to another type of policy in Covington, KY. With the help of an independent agent, you can explore the varieties of life insurance that would best suit your needs and financial situation. Each option has some pros and cons that should be considered before making a decision. An independent agent can help you evaluate the various factors, such as cost, coverage, convenience, customer service, and more and decide which policy should be the most beneficial to you. You may even qualify for special discounts from your provider.
How can I monitor performance of my variable life insurance in Covington?
In Covington, KY, tracking the investment performance of your variable life insurance can be done by using the online tools and resources provided by your insurance provider. Additionally, you may want to supplement the information you receive from the provider's website with periodic progress reports from a registered financial associated based in the area. You can also use mobile apps and other online resources to customize and track the performance of your policy, allowing you to easily compare strategies over time and make informed decisions about your investment goals.
Can I use my Covington variable life insurance policy for retirement savings?
Yes, variable life insurance can be used as a retirement savings vehicle in Covington, KY. Variable life bridges the gap between life insurance and investing that is not offered in other life insurance policies, allowing policyholders to both insure their lives and invest funds at the same time. With a variable life policy, policyholders can choose between a variety of investments funds to meet their savings needs in order to achieve their retirement goals. Additionally, some variable life policies offer flexible premiums and the capability to adjust the death benefit to better match the policyholder’s current needs.
Does my Covington variable life insurance company offer a grace period for premium payments?
Yes, policyholders in Covington, KY who purchase variable life insurance can take advantage of grace periods if they cannot make their premium payments on time. The grace period is typically a period of time after the due date of the premiums that the policyholder can make their payment without the policy being considered lapsed. It is important to note that during the grace period the policyholder’s policy will not be active and any fees or charges may still apply. While the exact grace period may vary by provider, typically most offer between nine to fifteen days.
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