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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 Eustis, FL. 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.
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"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 Eustis, FL.
Frequent Questions...
Variable life insurance is an insurance policy offered in Eustis, FL that is specifically designed to help protect individuals and their families financially against different kinds of risks. It is considered a permanent form of life insurance, which builds cash value and offers flexible death benefits, premiums, and investment options. With variable life insurance, policyholders can choose among a variety of investment sub-accounts to fund their policy. This allows them to tailor their policy according to the needs of their family. In addition, the cash value of the policy can be withdrawn or borrowed from as needed.
With variable life insurance quotes in Eustis, how is the beneficiary impacted by investment performance?
The beneficiary of an investment in Eustis, FL can expect to see returns primarily based on how the investment performs. Depending on the terms of the contract, the beneficiary may receive regular payments based on the performance of the investment, allowing them to enjoy a steady stream of income. Alternatively, the beneficiary may opt for lump-sum payments upon the investment's maturity. In either case, the beneficiary's return is directly tied to the success of their investment and how it performs in the market.
Can I withdraw or borrow from a variable life insurance policy Eustis?
If you live in the Eustis, FL area, you may be able to withdraw or borrow from the cash value of your variable life insurance policy. You would need to speak to an insurance professional to discuss your specific situation in order to determine if this is a viable option. Furthermore, you should consider carefully the implications of utilizing the cash value of your life insurance policy as any withdrawals or loans are taxable events. A qualified expert can better inform you of the effects these decisions can have on your financial plan.
Do I need to understand investments for variable life insurance near Eustis?
No, you don't need to be investment-savvy to purchase variable life insurance in Eustis, FL. You can speak to a life insurance specialist who will explain all available options and assist you in selecting the best policy for your needs and goals. Investment advisors can offer sound advice to maximize your investments so that you can optimize revenues from your life insurance policies. But if you are new to investing and don't have a lot of experience, an advisor can help you find the best approach to enhance your risk profile.
How does a variable life insurance quote Eustis handle dividends?
In Eustis, FL dividends can be given to a variable life insurance policy holder in one of two ways, either in the form of cash or as an accumulation towards the policy's cash value. Any dividends not used to increase the cash value will accumulate as cash dividends. When you take dividends in cash you get less coverage than if you used them to increase the cash value of the policy, as they are taxed as ordinary income. Taking the cash dividends may provide more liquidity to help meet short-term financial needs but the policy holder may end up with less coverage.
Variable life insurance may be suitable for short-term coverage needs if it is the right product for your unique circumstances. In Eustis, FL, an experienced insurance professional can help identify whether it is the right product for you. Variable life insurance has the potential to provide more coverage than term life insurance and offers a death benefit along with the opportunity to save for retirement. That said, unlike term life insurance, the policy value and death benefit are not fixed and will fluctuate with market conditions, making it important to manage the policy over the long-term so as to achieve the desired objectives.
Do variable life insurance policies near Eustis provide guarantees on returns?
Yes, variable life insurance offers guarantees on investment returns in Eustis, FL. Most variable policies guarantee that your principal amount (the amount you invest in policy) will stay the same even if the market value of your investments goes down. Additionally, the policy also has a minimum return guarantee, which ensures that the investment will meet a certain minimum rate of return even if the market value of the investment is lower. So, no matter what, you are assured of your invested principal, as well as a minimum return.
Can I change investment options for variable life insurance in Eustis without tax effects?
In Eustis, FL you can switch between investment options without incurring any tax implications because there are no taxes on capital gains in Florida. For example, if you invest in mutual funds, stocks, or bonds, you will not be required to pay income taxes on any profits from those investments. Depending on the investments you choose, you may be affected by federal tax laws, but there will be no state taxes. Additionally, in Florida, your dividends and interest income are exempt from being taxed as well, so you can modify your investments without worrying about hefty tax implications.
How does my Eustis variable life insurance policy handle loan interest?
At Eustis, FL's insurance firm, policy loan interest for variable life insurance is typically treated as a deferred debit balance. That means the interest is added to the outstanding loan balance. It's important to note that if variable life insurance policyholders fail to make timely payments on their loans, their policy could be subject to cash surrender at the net surrender value and the loan balance will be deducted from the proceeds. To avoid this, clients should make sure to make regular payments to keep their policy fully funded and reduce their debt.
Does my Eustis variable life insurance company offer a grace period for premium payments?
In Eustis, FL, there is a grace period for premium payments in variable life insurance. This grace period is typically 30 days and allows customers time to make their premium payment without incurring late fees. During the grace period, your policy stays in force and coverage remains in effect. However, itβs important to note that if the premium remains unpaid, the life insurance policy will be cancelled when the grace period ends. So customers in Eustis should take full advantage of this grace period and make their premium payments on time.
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