Compare over 37 Variable Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Des Moines, WA 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 Des Moines, WA. 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 Des Moines, WA.
Frequent Questions...
Variable life insurance policies, available in Des Moines, WA, are built upon two primary components: The policy owner's selections from the sub-accounts and the performance of the chosen investments. The policy owner can pick from a variety of investment options such as stocks, bonds, mutual funds, or index funds to customize their policy, which can result in higher returns. The policy holder also has the potential to benefit from investments which experience capital gains, as well as capital appreciation. As a result, this type of policy offers strong potential to generate returns and wealth over time.
With variable life insurance quotes in Des Moines, how is the beneficiary impacted by investment performance?
In Des Moines, WA, the beneficiary of an investment can be positively impacted by its performance. A higher rate of return provides additional funds for the individual to use to their advantage, whether it be to build further wealth or pursue other financial goals. Additionally, the investment performance can help to create stability and provide security by diversifying the portfolio and protecting it against market fluctuations. Ultimately, the beneficiary of an investment is able to reap the rewards of their wise financial decision in the form of increased assets and financial freedom.
Can I withdraw or borrow from a variable life insurance policy Des Moines?
Yes, you can withdraw or borrow from the cash value of your variable life insurance policy in Des Moines, WA. If you wish to access the money that is stored in your policy, the process generally involves the surrender or loan of the policy. Generally, if the money in the policy is more than the cash surrender value, you may be able to borrow those funds from the company to access the funds. However, the cash surrender value should always be returned to you as long as the policy is still active.
How transparent is the investment performance of variable life insurance near Des Moines?
In Des Moines, Washington, the investment performance of variable life insurance is extremely transparent. All annual reports and contracts relating to investments are transparently shared with investors and policyholders, so they can understand exactly how their money is being invested and the level of risk associated with the investments. Financial professionals also help policyholders understand their investment options, as well as keep track of their performance. In addition, policyholders can access electronic statements outlining their account activity and performance. All in all, Des Moines, Washington policyholders can be confident that their variable life insurance investment performance is regularly transparent.
Is there a minimum guaranteed return with a variable life insurance quote Des Moines?
Variable life insurance in Des Moines, WA offers the opportunity to realize greater returns than other life insurance options, depending on the performance of the underlying investments held within the policy. Unlike other types of life insurance, variable life insurance does not guarantee a minimum return, as your money is invested in the financial market. While there is some risk involved, the potential for long-term growth could be an attractive option for those looking to diversify their portfolio.
Yes, there are limitations on fund transfers within the policy applicable to Des Moines, WA. The state-mandated regulations in Des Moines restrict fund transfers that involve a third-party; such actions are not permitted without prior written authorization. Moreover, wire transfers, cashier's checks, and money orders are not allowed within the Des Moines policy, except for certain exemptions that must be verified by the appropriate authority. Furthermore, any potential fund transfer must adhere to the terms, conditions, and regulations established by the financial institution and the municipality of Des Moines.
Can I direct specific investment strategies for variable life insurance policies near Des Moines?
In Des Moines, WA, the policyholder typically cannot dictate specific investment strategies for the cash value. That decision is usually up to the insurance company and their investment advisors. What a policyholder can do is make sure their policy is structured to be flexible enough for them to take advantage of market opportunities when they arise. They can also evaluate the different options available from their insurer and choose the policy that fulfills their goals and meets their risk tolerance.
How can I monitor performance of my variable life insurance in Des Moines?
If you are in Des Moines, WA, you can track the investment performance of your variable life insurance policy by visiting your local financial planner or a nearby office of the issuing company. There, you can find out the latest returns on the particular type of policy you have, and make any necessary adjustments to better match your goals. You can also access information over the internet that will give you an indication of the likely returns on your policy, and the associated risks.
Can I use my Des Moines variable life insurance policy for retirement savings?
Yes, variable life insurance can be used as a retirement savings vehicle in Des Moines, WA. By purchasing either a variable annuity or a variable life insurance policy, you can create a retirement fund for yourself or a loved one that features tax benefits and potential returns linked to the performance of an underlying investment portfolio. Additionally, many variable annuity and variable life insurance contracts in Des Moines, WA may offer lifetime death benefit protection for a spouse or other beneficiary and some even include long-term care and critical illness riders.
Do I get dividends from my Des Moines variable life insurance company?
In Des Moines, WA, investments within your variable life insurance may not be eligible to generate dividends depending on the type of policy you have. If your policy does allow dividends and you qualify for them, you will receive them along with the other benefits associated with variable life insurance. It is recommended that you review your policy documents and contact your insurance carrier to determine what your policy offers and whether or not dividends will be paid out. Additionally, speak with a certified financial planner or other financial expert to ensure that you are taking full advantage of your policy.
Compare Des Moines, WA 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