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Compare over 37 Variable Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Drexel Heights, AZ 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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Step 2
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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 Drexel Heights, AZ. 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 Drexel Heights, AZ.
Frequent Questions...
Variable life insurance policies provide policyholders in Drexel Heights with customizable options and the potential for greater returns than traditional life insurance policies. With a variable life insurance policy, policyholders may invest premiums in various market options, including mutual funds, and can choose how their policies are funded. By contrast, traditional life insurance policies generally provide a fixed death benefit and a guaranteed amount of return. With variable life insurance, the return is not fixed and can vary based on the performance of the investment selected.
Are there early withdrawal penalties for variable life insurance quotes in Drexel Heights?
Yes, there are potential penalties for early withdrawal from the cash value in Drexel Heights, AZ. Depending on the type of policy you have chosen, you may be subject to a surrender charge as well as a current excess withdrawal charge – both of which reduce the amount of cash value you receive from your policy. Depending on the specifics of your policy, premature withdrawals may also lead to a decrease in the death benefit. When evaluating potential policy options, it is important to research the available policy documents and speak with a knowledgeable professional to ensure you understand all of the potential consequences of early withdrawal.
With a variable life insurance policy Drexel Heights, can I decide where my premiums are invested?
Yes, you can absolutely select the investments for your variable life insurance premiums with Drexel Heights, AZ. All you need to do is contact your insurance provider directly. Your provider will provide you with a free financial consultation, and will recommend investments and funds based on your individual needs and preferences. They will be able to explain all the different investment options available to you, and how they can help you meet your long-term financial goals. Taking the time to research and understand the variety of investment options available to you is essential in order to make an informed decision that will best serve your financial future.
What fees are there with variable life insurance near Drexel Heights?
In Drexel Heights, AZ, fees associated with variable life insurance vary depending on the type of plan and benefits chosen. Generally, there will be some fees associated with the coverage, such as an annual fee, an insurance associated fee, or policy fees. Depending on the insurer, there may also be other fees attached to the policy, such as surrender charges, administrative fees or sales charges. It is important to always ask for a list of applicable fees when researching variable life insurance to decide which option is best.
Can I include riders in my variable life insurance quote Drexel Heights?
Yes, you can add riders to your variable life insurance policy in Drexel Heights, AZ. But make sure that the policy you are considering offers the riders you need and want. Financial professionals in Drexel Heights are available to help you understand your policy options and their associated riders as you compare policies. Different insurers may offer similar riders with different names and coverage levels, so understanding all the details of the policy and the riders is important. Depending on the policy and the available riders, you may have the option of customizing your policy to fit your needs.
Yes, there are age restrictions for buying variable life insurance in Drexel Heights, AZ. The Arizona Department of Insurance requires an individual to be at least 18 years old in order to purchase variable life insurance. However, if the life insurance policy owner is under the age of 18, an adult parent or guardian must be listed as the owner. If the life insurance policy is owned by a business entity, the owner must be at least 21 years of age and must be an Arizona resident.
Do variable life insurance policies near Drexel Heights provide guarantees on returns?
Variable life insurance is an excellent option for those in Drexel Heights, AZ who are looking for potential growth of their policy's cash value. Although this type of insurance does not offer guarantees on investment returns, it does provide the ability to invest in specific products such as mutual funds, to potentially grow the policy's cash value in order to receive benefits after the policy matures. Variable life insurance can provide a variety of features allowing the policyholder to make decisions in keeping with their changing needs or strategic objectives.
How regularly should I check my variable life insurance in Drexel Heights?
In Drexel Heights, AZ, it is important to review your variable life insurance policy annually. It is recommended that each year you review changes in the cost or benefit options of your coverage, and make any necessary adjustments. Additionally, you may want to check for any new policies that can provide better coverage options and cost savings. By updating your policy and shopping for a more cost-effective option every year, you can ensure that your coverage is tailored to your changing lifestyle and financial needs.
How liquid is the cash value of my Drexel Heights variable life insurance policy?
The liquidity of the cash value in a variable life insurance policy varies depending on the plan and where the policy is purchased. For residents of Drexel Heights, AZ, the financial professionals at IFG Network Consulting can provide information regarding specific polices and the levels of liquidity that those policies provide. Generally speaking, there are two levels of liquidity-taxable and non-taxable withdrawals-and both will depend on the nature of the policy, premiums paid and other factors. To maximize the liquidity of the policy, you may need to switch carriers or make different policy purchases.
Can I convert from term life insurance with a Drexel Heights variable life insurance company?
Yes, you can convert your term life insurance to variable life insurance if you live in Drexel Heights, AZ. This conversion process is typically performed by your current life insurance company, and in some cases other professional advisors depending on your individual insurance needs and situation. To ensure the best outcome, it's important that you consult an insurance expert before making any decisions. The best way to learn more about variable life insurance available to you in Drexel Heights, AZ is to contact your current life insurance company to get more specifics about options they might provide.
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