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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 Dania Beach, 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.
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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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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
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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 Dania Beach, FL.
Frequent Questions...
Residents of Dania Beach, FL who seek growth potential, versatile coverage, and asset protection should consider purchasing variable life insurance. This type of policy allows policyholders to invest funds into separate investments, such as stocks, bonds, and mutual funds, and provide a death benefit for their beneficiaries. It is a more advanced type of policy and involves some risk, so it’s important those considering this option are comfortable making their own investment decisions.
Are there early withdrawal penalties for variable life insurance quotes in Dania Beach?
Generally speaking, early withdrawals from the cash value can come with numerous financial penalties, such as lowered account values and taxes on the gain in some cases. It is important to check with a trusted financial advisor or accountant in Dania Beach, FL to understand the specific guidelines and possible consequences of early withdrawal from the cash value. It is also wise to review any relevant contracts to ensure that the information regarding penalties is understood and that the costs of early withdrawal are considered in all financial decisions.
How does the cash value work for a variable life insurance policy Dania Beach?
In Dania Beach, FL variable life insurance works in two ways: as a death benefit, which provides a lump sum of money to the beneficiaries upon the death of the insured, and as an investment vehicle offering cash value. The value of the cash component of variable life insurance is derived from the investment performance of the underlying sub-accounts, which may include stock funds, bond funds, and money market funds. As the account grows, policyholders can withdraw funds at any time according to the stipulated surrender rules. The amount of cash withdrawal is subject to limits dictated by the policy.
Do I need to understand investments for variable life insurance near Dania Beach?
Purchasing variable life insurance does not necessarily require you to be investment-savvy, although having a basic understanding of investments can be helpful. In Dania Beach, Florida, there are many financial professionals who can help to guide you through the necessary steps to purchase variable life insurance; these professionals can assist you in customizing a plan that meets your goals and objectives. Additionally, many financial institutions offer education and awareness events that can help you become better acquainted with concepts related to investments.
How does a variable life insurance quote Dania Beach handle dividends?
In Dania Beach, FL, the dividends paid from a variable life insurance policy are typically treated as distributions from the policy understood to increase the death benefit or the cash value of the policy. If the policyowner chooses to use the dividends to pay premiums, the policyowner will not be taxed, however, if the policyowner elects to receive the dividends as cash, the dividends may be considered taxable income. Additionally, a policyowner who is subject to a surcharge also may apply the dividends to that balance rather than to the premiums.
Yes, variable life insurance purchases do have age restrictions. Generally, consumers who live in Dania Beach, FL must be between the ages of 18 and 85 in order to buy this type of life insurance. Typically, the customer's age must be attained before his or her coverage can go into effect. There are exceptions so it's wise to check with a local insurance agent or broker who can provide more precise information.
Do variable life insurance policies near Dania Beach provide guarantees on returns?
Variable life insurance in Dania Beach, FL, provides death benefit protection to the policyholder’s beneficiaries. While variable life policies contain an investment component, the returns are neither guaranteed nor are they linked to the performance of the stock market or other investment options. Rather, policyholders assume the risk of their investments and therefore variable life insurers cannot guarantee any returns on investments within its policy. While the potential of gains with variable life insurance is higher, the risk of losses is just as equally possible.
Are management fees for variable life insurance in Dania Beach similar to mutual funds?
The management fees for variable life insurance in Dania Beach, FL may vary and depend on the company providing the policy. For instance, some companies may charge higher fees than others, so it is important to compare fees among companies. As for the comparison between regular mutual funds and variable life insurance, it is important to remember that mutual funds are subject to fluctuating rates as their underlying assets can go up or down in value. On the other hand, with variable life insurance policies, the policyholder knows the upfront cost of the policy and has cash value to draw from in the long run.
Is the cash value in my Dania Beach variable life insurance policy safe from creditors?
In Dania Beach, FL, answer to the question of whether the cash value of a variable life insurance policy is protected from creditors is yes. All variable life insurance policies are protected from creditors in Florida due to legislative protections, regardless of the policyholder's financial situation or credit score. This protection includes the money that is paid into policy, as well as the cash value amount that the policyholder can use for long-term savings. By having this protection, policyholders in Dania Beach, FL are able to rest easy knowing their money is safe and secure.
How do loans affect death benefits with my Dania Beach variable life insurance company?
Policy loans from variable life insurance in Dania Beach, FL can affect the death benefit depending on the amount of the loan and when the loan is taken out. With variable life insurance, policy owners have the option of borrowing a portion of their death benefit while they're living. If the owner fails to repay the policy loan with interest, the death benefit could be reduced or completely wiped out. It's important for policy owners in Dania Beach, FL to understand the potential risks associated with taking out policy loans so they can make informed decisions and protect the death benefit for their beneficiaries.
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