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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 Essex Junction, VT. 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 Essex Junction, VT.
Frequent Questions...
In Essex Junction, VT, the premiums for variable life insurance are generally fixed, however the return rate can vary depending on the performance of the investment options chosen. Many insurance policies will have guaranteed rates of return, often over a specific period, as well as range of investments available in which the returns are likely to fluctuate. The amount of the premium payments is established when a policy is issued and remains fixed until the policy is cashed-out or expires.
Can I use my variable life insurance quotes in Essex Junction as collateral?
Variable life insurance can be used as collateral for a loan in Essex Junction, VT. Loans taken out against variable life insurance policies use the death benefit and cash value of the policy as collateral. This type of loan is generally only taken out against a permanent life insurance policy, as term life does not offer cash value and is not meant to be held for an extended period of time. It is important for individuals in Essex Junction to be aware of the implications when using a permanent life insurance policy as collateral for a loan.
With a variable life insurance policy Essex Junction, can I decide where my premiums are invested?
Yes, you can choose where your premiums are invested with variable life insurance in Essex Junction, VT. With this type of life insurance, you can typically invest your money in stocks, bonds, mutual funds and other types of investments. This gives you the flexibility to determine which investments best fit your financial needs and objectives, while at the same time allowing you to take advantage of potential tax benefits. When selecting the investments, speak with a financial advisor or your life insurance agent for assistance to determine the best options for you.
Is there a death benefit guarantee with variable life insurance near Essex Junction?
No, there is no guaranteed death benefit with variable life insurance. However, if you live in Essex Junction, VT you could always consider life insurance with a guaranteed death benefit such as universal, index, or term. It's important to research the various policies carefully as there are differences in coverage that may make one a better fit for your needs than the other. Generally, with life insurance, you have the potential to build cash value, however, it is important to understand that investing involves market risk, which would involve potential increase or decrease in the cash value of a policy.
Can I include riders in my variable life insurance quote Essex Junction?
Yes, you may be able to add riders to your variable life insurance policy if the policy is offered in Essex Junction, VT. Depending on the product and provider, riders can be added to customize the policy and add coverage or supplemental features, such as a chronic illness rider. Riders can add additional value to policies, but it's important to determine what features can be added and their associated costs, as they will affect your premium payments. Speak to an insurance agent in Essex Junction to learn more about available riders and how they might impact your policy.
Yes, in order to purchase variable life insurance in Essex Junction, VT, you must be at least 18 years of age as that is the legal age of majority in the state of Vermont. In addition, you must provide proof of financial responsibility and pass all necessary health examinations in order to be eligible for coverage. Variable life insurance can provide you with access to financial insurance options during your lifetime.
How does cash value growth influence death benefit with variable life insurance policies near Essex Junction?
Variable life insurance is an excellent way for residents of Essex Junction, VT to protect their families and leave a legacy behind. The cash values associated with variable life insurance grow with the policyholder’s investment which means when they die, their death benefit will be greater than when they began. The cash values and death benefits in variable life insurance are both based on how the investments within the policy perform. This makes it a great way to leave an inheritance to loved ones and build a better financial future for themselves in the meantime.
Can I change investment options for variable life insurance in Essex Junction without tax effects?
In most cases, yes, you can switch investment options without tax implications in Essex Junction, VT; however, there are some exceptions. Vermont state taxes do not apply to transactions from certain investments, such as municipal bonds and retirement accounts. It is important to investigate your particular investment options to determine if there are any tax implications which may apply before making any decisions. It is also important to be aware of any applicable fees or commissions associated with the transaction as these may reduce the net return on your investment.
Is the cash value in my Essex Junction variable life insurance policy safe from creditors?
In Essex Junction, Vermont, cash value in variable life insurance is generally protected from creditors, depending on the specific exceptions in the state. Vermont has specific laws in place to limit creditors from being able to access cash value funds in a policy. Additionally, most policies feature provisions that further protect the policy holder from equitable creditors by explicitly granting exemptions from creditors to beneficiary proceeds. Ultimately, seeking the legal advice of qualified professionals and consulting your policy documents can help ensure that the cash value in your variable life insurance is protected from creditors.
What's the typical duration of terms with a Essex Junction variable life insurance company?
The typical duration of a variable life insurance policy in Essex Junction, VT will depend upon the insurance company and the type of policy you choose. Generally, variable life insurance policies are long-term contracts and can range from 10 to 30 years or even longer, depending on the individual policy. Re-evaluating the policy and customizing coverage is always an option for Essex Junction, VT variable life insurance policyholders. The most important factor in determining the duration of your variable life insurance policy is making sure you can afford the premium payments throughout the duration of the policy.
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