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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 Drexel Hill, PA. 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 Drexel Hill, PA.
Frequent Questions...
Variable life insurance premiums in Drexel Hill, PA vary according to the chosen plan and policyholder criteria. The amount paid is based on factors such as the age of the insured, the death benefit amount, and the cash value accumulation. One of the benefits of variable life insurance is the potential to grow the policy’s cash value over time through investment returns, providing policyholders with ongoing flexibility to help meet their insurance needs.
Can I use my variable life insurance quotes in Drexel Hill as collateral?
Yes, you may be able to use variable life insurance as collateral for a loan depending on the specific loan terms and the institution providing the loan. Local financial institutions in Drexel Hill, PA such as banks and credit unions may offer loan products that accept variable life insurance as collateral. It is recommended to discuss the details of the loan with the lender to learn more about the procedure and confirm whether or not variable life insurance would be accepted. When using variable life insurance as collateral, you can expect the lender to need proof of the value of the insurance coverage.
What potential risks are there with a variable life insurance policy Drexel Hill?
Residents of Drexel Hill, PA should be aware of the potential risks associated with variable life insurance. As variable life is a form of permanent life insurance, there are usually investment features offering some degree of risk in the form of market fluctuation. Policyholders would be responsible for increasing premiums in order to cover any decline in the cash cover values. Additionally, liquidity can be limited due to the extended period of time (usually about 10 years) required to make major changes to the policy. Therefore, policyholders should weigh the risks of variable life insurance carefully before making any commitments.
Do I need to understand investments for variable life insurance near Drexel Hill?
While investment knowledge can provide a greater sense of control and confidence over a financial decision, it is not necessary in order to purchase variable life insurance in Drexel Hill, PA. Most variable life insurance policies allow you to select from one of several pre-set allocations, giving you the benefit of the research and knowledge of experienced investment professionals. Alternatively, you can create your own tailored investment strategy, working with a knowledgeable financial professional in the community you live in for guidance. Ultimately, the most important part of deciding whether to purchase variable life insurance is understanding the limits of your risk tolerance and investing objectives.
Is there a minimum guaranteed return with a variable life insurance quote Drexel Hill?
Variable life insurance offers a different type of insurance policy that allows policyholders in Drexel Hill, PA to invest in stocks, bonds, and other investment assets. Although there is not a guaranteed minimum return, the policy is beneficial because policyholders can experience a potentially higher return on their investment than with other types of life insurance policies. Variable life insurance also provides death benefit protection, meaning that if you pass away, your beneficiary will receive the greater of the policy's cash value or death benefit.
Generally speaking, age restrictions on purchasing variable life insurance policies vary from one state to another. However, anyone residing in Drexel Hill, PA may purchase one of these policies provided they are at least 18 years old. This policy functions by investing funds into separate accounts, thereby allowing the policyholder to benefit from the markets performance as a whole. Variable life insurance has become very popular in the region due its numerous potential advantages. People residing in Drexel Hill, PA should research the various options available to them in order to make an informed decision that best suits their needs.
How does cash value growth influence death benefit with variable life insurance policies near Drexel Hill?
Cash value growth in variable life insurance policies can have a substantial impact on the death benefit in Drexel Hill, PA, where life insurance is especially important for protecting families from financial hardship after a loved one passes away. The cash value growth rate of a variable life insurance policy can significantly increase the death benefit, providing more financial flexibility and ultimately a greater benefit to family members. This added security provided by the variable life policy's higher death benefit can significantly reduce the financial burden felt by Drexel Hill families experiencing the loss of a loved one.
Are management fees for variable life insurance in Drexel Hill similar to mutual funds?
In Drexel Hill, PA, the management fees for variable life insurance can often be comparable to regular mutual funds. That being said, the cost of which really depends on the offering and provider. Regular mutual funds usually have annual expenses ranging from .25% to over 2%, while variable life insurance often have fees of up to 3%. Additionally, variable life insurance may come with other costs such as surrender fees and administrative expenses. It's important to do research and understand the expenses of each offering to determine the best option for you.
Is my Drexel Hill variable life insurance policy considered permanent life insurance?
Variable life insurance is a type of permanent life insurance available in Drexel Hill, PA providing individuals with coverage for an indefinite period of time. Variable life insurance policies have a cash value component with investments similar to mutual funds. These investments, managed by the policyholder, may allow for appreciation of the cash value and favorable tax treatments. Variable life insurance is a great option for individuals in Drexel Hill, PA interested in a permanent life insurance policy that offers additional investment opportunities.
Do I get dividends from my Drexel Hill variable life insurance company?
Variable life insurance policies are designed to provide a death benefit and potential cash value growth. Whether dividends will be received is dependent on the individual policies and insurance company so it is best to refer to the policy’s documentation for more specific information. Individuals living in Drexel Hill, Pennsylvania may contact a local insurance provider to discuss their variable life insurance policy and how it works, particularly in regards to paid dividends, cash value, and the death benefit. It’s important to become familiar with the particular policies for the variable life insurance as each offers different features and benefits.
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