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With PolicyHub you get to compare over 37 Eagle Mountain, UT 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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"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 Eagle Mountain, UT. 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 Eagle Mountain, UT.
Frequent Questions...
In Eagle Mountain, UT, a variable life insurance policy contains three primary components: a variable life insurance account that consists of mutual fund sub-accounts, a death benefit, and a cash value component. The mutual fund sub-accounts allow customers to choose how to invest their money, and the death benefit provides financial security for the policyholder's loved ones in the event of their death. Finally, the cash value component of the policy provides policyholders with additional tax benefits due to the fact that any premiums paid are tax-deferred.
Are there early withdrawal penalties for variable life insurance quotes in Eagle Mountain?
Yes, there may be penalties for making early withdrawals from the cash value in Eagle Mountain, UT. Generally, the penalties vary by product type, so it is important to discuss potential tax or other consequences with your financial professional. Depending on the policy, you may be subject to surrender charges, income taxes on any gain if applicable, and potential expiration of policy benefits. For example, if the policy has a death benefit, the reduction or elimination of cash value through withdrawal could reduce the policy's death benefit.
What potential risks are there with a variable life insurance policy Eagle Mountain?
People who invest in variable life insurance in Eagle Mountain, UT should be aware of potential risks associated with this product. Market performance of the underlying investments affects the cash value of the policy, so if the stock market declines, the policyholder’s death benefit or cash value might be affected. Premiums tend to be higher with variable life insurance than with other types of life insurance, and the policyholder may have to pay additional premiums if the cash surrender value drops below a certain level. Variable life policies involve additional fees and charges for administrative expenses, premiums, withdrawals and other transactions.
How often can I modify my investments in variable life insurance near Eagle Mountain?
In Eagle Mountain, UT, you are able to change your investment choices with variable life insurance without limit. Your insurance provider may allow a certain number of exchanges per year, depending on your policy, but generally you are free to alter your investment selections as much as you please. Furthermore, with most policies, you can manage all your switches online without having to go through a lengthy process. Therefore, Eagle Mountain, UT residents can feel secure knowing that they are able to customize their portfolios whenever and however often they wish.
Can I include riders in my variable life insurance quote Eagle Mountain?
Yes, you can add riders to your variable life insurance policy in Eagle Mountain, UT. Riders modify an existing insurance policy and are typically offered at an additional cost. These additional benefits can include protection against accidental death, disability income protection, waiver of premiums in the event of disability or being laid off and other benefits specified in the rider. Make sure that you review the additional benefits and the associated premiums before you decide to include riders with your policy. Choosing the right riders can provide added peace of mind.
Yes, there are age restrictions on purchasing variable life insurance policies in Eagle Mountain, UT. Generally, you must be aged 18 or older to buy a variable life policy. However, individuals under 18 may be able to purchase a variable life insurance policy if they have a parent or guardian who is willing to co-sign to the policy, or in the case of minors who own a business, an emancipated adult. As always, please consult with your insurance provider before committing to a policy.
Can I upgrade variable life insurance policies near Eagle Mountain to another policy type?
In Eagle Mountain, UT, it is possible to upgrade your variable life insurance policy to another type of policy. Depending on your individual situation, there are likely several options available to you. You should speak to a qualified insurance agent in the area to determine which type of policy is most appropriate for your unique financial situation and life insurance needs. It is important to note that upgrading your policy could also involve adjusting your coverage level and premium rate, so it is best to assess all available options before making any changes.
Are management fees for variable life insurance in Eagle Mountain similar to mutual funds?
In Eagle Mountain, UT, the management fees for variable life insurance and regular mutual funds vary depending on the specific product and provider you choose. Generally, variable life insurance can be custom tailored and offer more options than mutual funds, which may have fewer options but often have lower management fees. The differences in features and costs should be compared when determining which product best suits your individual needs. Ultimately, what's best for your unique situation may depend on the amount of risk you're willing to take, your ability to consistently make payments, and the length of time you're able to commit to the investment.
Can I use my Eagle Mountain variable life insurance policy for retirement savings?
Yes, variable life insurance can be used as a retirement savings vehicle in Eagle Mountain, UT. It is a type of life insurance which offers a flexible savings component and death benefit. This type of policy allows policyholders to allocate their premiums to the various investment accounts that the policy offers. The policyholder can decide where the money is invested, giving them control of the growth rate and potential returns. It can provide tax advantages not available when investing in traditional retirement savings vehicles, and the death benefit provides downside protection should the market decline.
What's the typical duration of terms with a Eagle Mountain variable life insurance company?
Variable life insurance policies can vary in duration depending on the type of policy chosen. In Eagle Mountain, UT, an average variable life insurance policy may expire after 10-30 years. It's important to bear in mind, however, that policy terms will differ depending on the company, with some spanning over 40 years and others providing lifetime coverage. Furthermore, there may be additional factors driving the duration of the policy such as the requirements of the insured. In any case, it's always best to discuss options with an experienced financial planner who is licensed in the state of Utah.
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