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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 East Hartford, CT. 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 East Hartford, CT.
Frequent Questions...
A variable life insurance policy in East Hartford, CT typically entails death benefit coverage and the opportunity to invest in different accounts such as money market funds and various stocks and bonds. These investments can be managed by the policyholder over time with the goal of capital appreciation, which then provides additional wealth for the policyholder. As the value of the investments fluctuate due to market volatility, so does the amount of the death benefit, which can prove to be a great benefit for those looking for maximum control of their finances.
Can I use my variable life insurance quotes in East Hartford as collateral?
In East Hartford, CT, variable life insurance can, in fact, be used as collateral for a loan. There are certain lenders who accept life insurance as a form of collateral in order to approve a personal loan. This type of loan is secured with an insurance policy and allows you to borrow money against its death benefit. Before taking out such a loan, it is important to assess the risk the loan entails to determine if the loan is your best financial option. If you decide to use your variable life insurance as collateral for a loan, make sure you carefully weigh the benefits and implications of doing so.
What are the tax aspects of a variable life insurance policy East Hartford?
The precise tax implications of variable life insurance depend on a variety of factors, including the type of policy, the insurer, and the state you reside in. In East Hartford, CT, the state income tax rate is 6.35%. Under state law, the proceeds from variable life insurance policies are exempt from state income tax as the premiums are paid with post-tax dollars. However, any capital gains within the policy are subject to taxation. Your insurer should be able to provide more specific advice about your particular situation.
Is there a death benefit guarantee with variable life insurance near East Hartford?
At KBR Insurance in East Hartford, CT, we offer a variety of variable life insurance policies with a guaranteed death benefit. We understand how important it is to have a policy that will provide long-term financial security for your family, which is why our life insurance policies come with additional features such as death benefit protection and the option to keep the policy in force to age 95. If you purchase a variable life insurance policy from KBR Insurance, you can rest assured that you and your family will be provided for in the event of an untimely death.
What happens if my variable life insurance quote East Hartford underperforms?
If your chosen investments perform poorly in East Hartford, CT, you may want to consider consulting a financial advisor to assess the situation and determine what course of action would be best. Working with an experienced financial professional can help you adjust your investments to maximize returns and reduce risks as best as possible. Additionally, money management programs may be available in East Hartford that could assist you in focusing on the most effective investments while avoiding those that are likely to lose value. Taking advantage of these resources can help ensure that you are making informed decisions about your investments.
Generally, in East Hartford, CT the age restrictions to purchase a variable life insurance policy depend on the insurer. Some insurers may offer a policy to someone as young as 18, while others may require a person to be at least 21 before they can purchase the policy. In addition, some insurers may have a maximum age limit, such as 85, which must be taken into account when choosing a policy. In order to ensure you are meeting the specific age requirements of your chosen policy, it is best to speak with a licensed insurance agent.
How flexible are premium payments for variable life insurance policies near East Hartford?
East Hartford, CT residents have access to some of the most flexible premium payment options when it comes to variable life insurance. Depending on the plan, it is possible to opt for payment plans such as monthly, quarterly, semi-annual, or annual. Furthermore, individuals may also choose to pay their premiums in a lump sum for the entire policy period. There is also the option of making one-time premium payments if desired. The flexibility offered in premium payment plans makes variable life insurance a desirable choice for many in the East Hartford area.
Are management fees for variable life insurance in East Hartford similar to mutual funds?
Generally, management fees associated with variable life insurance in East Hartford, CT are comparable to regular mutual funds. Most life insurance companies charge fees based on the services provided and the type of life insurance policy, which will vary from company to company. However, it is important to remember that life insurance policies usually have a cost associated with them, including but not limited to, policy fees, mortality and expense fees, and additional policy riders or features. Mutual funds also usually have fees associated with them (management and/or transaction fees) and both will likely be similar in nature and value.
Is the cash value in my East Hartford variable life insurance policy safe from creditors?
In East Hartford, Connecticut, variable life insurance provides cash value that is also an asset and, in many cases, is exempt from creditors. However, depending on the creditor and the situation, these assets could be subject to the rules of an estate or a bankruptcy filing. Therefore, it is best to speak with an experienced financial advisor to determine the benefits and limitations of purchasing variable life insurance in East Hartford, Connecticut.
Do I get dividends from my East Hartford variable life insurance company?
In East Hartford, CT, you can receive dividends from investments within your variable life insurance. Depending on the policy, you may have the option to choose to have the dividends paid out to you in cash or to reinvest them in your policy. The dividends are based on the performance of the investments you choose and may be tax-free if certain conditions are met. It is important to note that the amount of dividends paid out will depend on the specific terms of the policy and the performance of the specific investments you choose.
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