Compare over 37 Variable Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 El Cajon, CA 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 El Cajon, CA. 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 El Cajon, CA.
Frequent Questions...
Variable life insurance policies are available to El Cajon residents, and typically include a cash value component, a death benefit, and an investment component. Cash value accumulates inside the policy and can be borrowed against or withdrawn from the policy. The death benefit, which is paid out to the policy’s beneficiary upon the policyholder’s death, is usually the sum of the cash value and the face value of the policy. The investment component of a variable life policy allows policyholders to choose investments (e.g., stocks, bonds, mutual funds, etc.
Can I cancel my policy after getting variable life insurance quotes in El Cajon?
Yes, you can cancel your variable life insurance policy in El Cajon, CA, but the timeline and methods for doing so will depend on the specific policy. The issuing company should be able to provide you with specific instructions to either cancel or change your policy. You may need to contact them directly to learn more about your options. In some cases, you may be able to complete the process online or through the mail. You may also have the option of speaking with an insurance agent in person to discuss your options.
What potential risks are there with a variable life insurance policy El Cajon?
Variables life insurance policies are complex investment products which can involve substantial risk and should only be considered after thoroughly understanding the risks involved. In El Cajon, CA, the potential risks associated with variable life insurance policies include the risk of losing all or part of the premium paid, fluctuations in the policy's value due to underlying investments, possible limitations to policy riders and other benefits due to underlying investments, possible tax liabilities, and potential investment restrictions.
Is there a death benefit guarantee with variable life insurance near El Cajon?
In El Cajon, CA, there is no guaranteed death benefit with variable life insurance, however the policy will typically have a death benefit provision which allows for the policy's cash value to be paid to the beneficiary in the event of the policyholder's death. To ensure that the beneficiaries of the policy benefit financially, the policyholder should utilize market performance to seek a return on their investments in order to create a greater cash value in the policy for the beneficiaries.
What are the surrender fees for a variable life insurance quote El Cajon?
The surrender charges for variable life insurance in El Cajon, CA can vary depending on the policy and the company. Generally speaking, the surrender charge decreases over time, from typically 6-10% the first year and gradually decreasing with each passing year until the 10th year when the surrender charge may be zero. If you're considering surrendering any type of variable life insurance before the normal 10-year surrender period, you should first contact the insurance company in El Cajon to get an applicable quotation as the surrender charge could involve a substantial penalty.
Variable life insurance may be a suitable option for certain short-term needs in El Cajon, CA, depending on the individual situation. This type of policy is usually designed to be part of a long-term plan and can offer a number of benefits such as providing protection and helping to maximize investments over the long run. At the same time, because variable life insurance offers flexible premiums and the option to adjust the coverage, it could be beneficial in the short-term by allowing individuals to tailor their coverage to meet their needs.
Can I direct specific investment strategies for variable life insurance policies near El Cajon?
In El Cajon, CA, the policyholder has a say in how the cash value is managed, but the final decision is with the life insurance company. Policyholders are able to provide suggestions for investment strategies, but the company reserves the right to accept, deny or modify the advice provided by the policyholder based upon the company's investment protocols. However, if the policyholder is seeking more control over how the cash value is invested, they can always consider adding riders to their policy, which can offer greater flexibility in how the cash value will be invested.
Can I change investment options for variable life insurance in El Cajon without tax effects?
In El Cajon, CA, you can switch between different investment options without worrying about being taxed on the transaction. As a resident of El Cajon, you need to consider the tax implications of the investments you make, as State and Federal regulations do apply. However, when it comes to switching from one investment option to another, you can generally do so without any tax implications as long as there are no changes made to the underlying asset.
Is my El Cajon variable life insurance policy considered permanent life insurance?
Variable Life Insurance is a type of permanent life insurance designed to provide both death benefit protection plus an additional tax-deferred savings element. In El Cajon, CA, variable life insurance is a great choice for those looking to leave a financial legacy for their loved ones while also investing for the future. It provides more flexibility and greater potential for higher returns on the cash values invested than traditional permanent life insurance plans, making it a great choice for those who are looking for long-term protection as well as the potential for increased financial security down the road.
What's the typical duration of terms with a El Cajon variable life insurance company?
The typical duration of variable life insurance policies varies from state to state, however in El Cajon, California these policies typically last up to 30 years. This type of insurance is considered to be a long-term solution to saving and protecting one's future. A variable life insurance policy provides a death benefit and also offers the option to save, invest, and grow cash values on a tax-deferred basis. In El Cajon, policyholders have the ability to choose preferred investment options and the funds can be managed within the policy.
Compare El Cajon, CA 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