Compare over 37 Variable Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Dunmore, PA 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 Dunmore, 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.
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 Dunmore, PA.
Frequent Questions...
A variable life insurance policy in Dunmore, PA typically consists of two key components: the insurance policy itself and a set of investment sub-accounts. The face amount of the policy is guaranteed, and will be paid out when the insured passes away. The policy also has a cash or surrender value. The investment sub-accounts are likely to have their own set of fees and charges which can be adjusted through the policy.
With variable life insurance quotes in Dunmore, how is the beneficiary impacted by investment performance?
In Dunmore, PA, the beneficiary of an investment can be affected by the performance of the investment. A favorable investment performance could result in increases in the beneficiary's wealth, while an unfavorable performance could lead to a decrease in assets and income. Generally speaking, investments should be viewed as long-term and as such, short-term volatility may not impact the intended outcomes of the beneficiary. Therefore, it is important to construct a portfolio which fits the beneficiary's needs and objectives. Additionally, having an experienced and trustworthy investment advisor would be of great value to ensure the beneficiary's goals are met.
What are the tax aspects of a variable life insurance policy Dunmore?
In Dunmore, PA, the tax implications of variable life insurance depend on whether it is owned by the policyholder or another person or entity. If the policyholder owns the policy, then any dividends or interest payments are subject to ordinary income tax rates. Death benefits from the policy are not generally taxable. If the policy is owned by someone other than the policyholder, then the policyholder may be subject to additional taxes, depending on the complexity of the ownership structure. In any case, consulting with a qualified accountant is recommended to understand the complete tax implications of any particular variable life insurance policy.
Do I need to understand investments for variable life insurance near Dunmore?
It's not necessary to be investment-savvy to purchase variable life insurance in Dunmore, PA; however, it can be helpful to have a basic level of understanding of investments prior to making a decision. It is always important to have a qualified financial advisor review the details of a life insurance policy and any other related decisions before purchasing to ensure that the product selected meets your individual needs. Moreover, many financial advisors in Dunmore will provide free consultations to individuals who are seeking to purchase or review their life insurance policies.
How does a variable life insurance quote Dunmore handle dividends?
Dividends in variable life insurance policies can be used to purchase additional shares or to cover the cost of premium payments in Dunmore, PA. Fund performance ultimately determines the amount and frequency of dividends paid into the policy. Generally, there is no taxation associated with dividends on an individual’s policy. It is important to understand, however, that the ability to access dividends is not a guarantee and clients should only invest what they are willing to lose given that the stock market can turn on a dime.
Yes, there are age restrictions when it comes to purchasing variable life insurance in Dunmore, PA. Generally, individuals must be at least 18 years old and not yet 65 years old in order to purchase variable life insurance in Dunmore, PA. Additionally, depending on the insurer, other age restrictions may apply, so it's important to contact your insurance provider to make sure you meet the required age standards. It is important to note that if you are over age 65, you may still be able to purchase variable life insurance but coverage may not be available in Dunmore, PA.
How flexible are premium payments for variable life insurance policies near Dunmore?
In Dunmore, PA, the premium payments associated with Variable Life Insurance are extremely flexible. If your individual financial circumstances change, most policies allow you to adjust your premium payments based on your ability to pay. Moreover, you have the option to suspend the payment of premiums (although this will lower the permanent death benefit) or you can also choose to reduce the death benefit in order to maintain a full premium payment. As long as the policy remains active and premiums paid, the policyholder is in control of how benefit payments and premiums may adjust to meet their personal financial needs.
Can I change investment options for variable life insurance in Dunmore without tax effects?
Yes, you can usually switch between different investment options without having to pay any taxes in Dunmore, PA. It is important to understand that the federal and state tax laws change regularly. So, it is always wise to check with your tax advisor or research online to make sure you are making a wise decision that complies with the current tax regulations before switching your investment options. Additionally, if you are under the age of 59 1/2, there are early withdrawal penalties that you should be aware of.
Can I use my Dunmore variable life insurance policy for retirement savings?
Yes, variable life insurance can be used as a retirement savings vehicle in Dunmore, PA. Variable life insurance normally accumulates cash value, so you can save money towards your retirement and utilize the perks like tax-deferred growth. These policies also give you access to a range of subaccounts based on your risk level and financial goals, which could be a great way to maximize your retirement savings. Additionally, if you ever needed help during retirement, these policies can offer living benefits through policy loans and withdrawals.
What's the typical duration of terms with a Dunmore variable life insurance company?
In Dunmore, PA, the typical duration of a variable life insurance policy is determined by the policyholder's individual needs and circumstances. Generally, policies can be designed to stay in force for many years, even up to the life of the policyholder, with an option to renew after the initial term. Policies typically offer investment options which allow the policyholder to adjust their coverage to their ever-changing life needs. This type of policy is perfect for those wanting total control over their policy, and its longevity.
Compare Dunmore, PA 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