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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 Creve Coeur, MO. 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
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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 Creve Coeur, MO.
Frequent Questions...
Yes, the premiums for variable life insurance in Creve Coeur, MO are fixed. This means that the amount and frequency of premiums that you pay remain the same over the life of the policy, even if the value of the policy’s investments increase or decrease. This type of policy provides you with the flexibility to make decisions about how to invest the various components of the policy. It also provides death benefit protection for your loved ones in the event of the policyholder’s death, no matter the value of the investments.
With variable life insurance quotes in Creve Coeur, how is the beneficiary impacted by investment performance?
Beneficiaries in Creve Coeur, MO will be directly impacted by the performance of their investments. The better their investments perform, the greater their returns will be. Conversely, if the investment performance is weak, the returns will be smaller. In addition, due to the current interest rate climate, the beneficiaries may see their investments depreciate over time, potentially resulting in a lower return. Therefore, it is important for beneficiaries in Creve Coeur to monitor their investments closely to ensure that they are performing to the best of their ability.
Can I withdraw or borrow from a variable life insurance policy Creve Coeur?
Yes, you can withdraw from the cash value of your variable life insurance policy if you live in or around Creve Coeur, MO. American Equity Investment Life Insurance Company offers a range of variable life insurance policies with cash value withdrawals while still maintaining the policy death benefit coverage. Additionally, you may be able to borrow against the cash value of your policy, depending on the specific terms and conditions outlined in your policy. The American Equity Investment Life Insurance Company's Customer Care Center is located right here in Creve Coeur.
Is there a death benefit guarantee with variable life insurance near Creve Coeur?
Variable life insurance is available in Creve Coeur, MO and does not provide a guaranteed death benefit. There are, however, variable life policies with a guaranteed death benefit, where it is available at an extra cost. The death benefit of the policy could vary during its lifetime and the death benefit may be greater or less than the value of the policy at the time of death, depending on market conditions. Additionally, the policyholder's age, health, and individual circumstances could affect the death benefit amount.
Is there a minimum guaranteed return with a variable life insurance quote Creve Coeur?
Variable life insurance policies in Creve Coeur, MO may offer a minimum guaranteed return, depending on the specific policy and provider. That said, these minimum returns are generally much lower than returns from other forms of life insurance, such as whole life or universal. Therefore, it is imperative that individuals researching variable life insurance carefully weigh the guaranteed return against potential returns, as well as the fees associated with purchasing the policy. Ultimately, with the right policy and access to sound financial advice, variable life insurance can offer the financial security of a guaranteed return while still providing the opportunity to maximize profits.
Buying variable life insurance in Creve Coeur, MO is subject to certain age restrictions, which vary by policy. Generally, policies will only be issued to those aged 18 or over and aged 85 or younger. Furthermore, policyholders must remain within these age restrictions until the end of the policy’s term. At the end of a policy’s term, the policyholder must go through a new underwriting process to be eligible for a renewed policy. Always consult with a knowledgeable insurance professional to understand the age restrictions applicable to your policy.
Can I direct specific investment strategies for variable life insurance policies near Creve Coeur?
In Creve Coeur, MO, policyholders can discuss investment options with their insurance provider. However, insurance company representatives are not allowed to give specific investment advice. The best option is to work with a financial planner who is familiar with both the policyholder's goals and the investment aspects of the policy. It is important to note that as the policyholder, you are ultimately responsible for making the final decision regarding the cash value investments in the policy.
Are management fees for variable life insurance in Creve Coeur similar to mutual funds?
The management fees for variable life insurance can vary depending on the provider. Generally speaking, fees for variable life insurance policies in Creve Coeur, MO, are similar to the fees you’d find with regular mutual funds. However, variable life insurance policies may have other fees and charges associated with them when compared to mutual funds. Be sure to ask your provider about all fees and charges associated with the policy before making a decision on the best choice for your particular situation and goals.
How liquid is the cash value of my Creve Coeur variable life insurance policy?
Variable life insurance policies purchased in Creve Coeur, MO allow policyholders to access the cash value of their policies at any time. The liquidity of this cash value may depend on the product, but many policies are quite liquid, allowing policyholders to access the cash value when needed. Many people find the liquidity of variable life insurance policies especially beneficial, as it can be used to supplement retirement funds or cover large expenses. Additionally, premiums for variable life insurance policies tend to be much lower than those of other policies.
Do I get dividends from my Creve Coeur variable life insurance company?
In Creve Coeur, MO variable life insurance investments can potentially provide a meaningful income stream in the form of dividends. Depending upon the investments you choose and the overall financial performance of those companies, you could receive both short-term and long-term dividend income from your insurance policy. Dividends are also used to maintain the value of your account, which makes them an important component of a sound financial plan. It is generally best to speak directly with a qualified financial professional for advice on how to maximize your dividend income through a variable life insurance policy.
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