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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 Everett, WA. 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 Everett, WA.
Frequent Questions...
Residents of Everett, WA who are seeking reliable, long-term financial protection with the potential for tax-deferred growth should consider purchasing variable life insurance. This type of policy allows you to control the amount of coverage and tailor the premiums and benefits to meet your specific needs. The investment component of the policy can offer access to a portfolio of professionally managed funds. Should the policyholder's investments perform well, earnings may be reinvested or withdrawn tax-free. This ensures that the tax-free proceeds will remain available to assist the policyholder's loved ones upon their passing.
Can I cancel my policy after getting variable life insurance quotes in Everett?
Yes, you can cancel your variable life insurance policy in Everett, WA. Depending on the specific policy, you may be able to terminate your policy either through written notice of cancellation or by returning your policy to your insurance company. You need to be aware that your policy may have some surrender charges or additional fees associated with canceling the policy that may need to be paid if you choose to do so.
With a variable life insurance policy Everett, can I decide where my premiums are invested?
With variable life insurance, the owner in Everett, WA has the opportunity to choose where the premiums are invested from a selection of stocks, bonds, mutual funds, and more. It's an ideal solution for someone who is looking to tailor their investments to have more control over their financial return. Working with a financial advisor can help maximize your options so you can make a sound decision best suited to your needs and goals.
Is there a death benefit guarantee with variable life insurance near Everett?
In Everett, WA, the guaranteed death benefit with variable life insurance will depend on the policy carrier and the type of policy. The death benefit will be available to named beneficiary(ies) in the event of the policyholder’s death. Generally, the face value of the policy, plus any accumulated cash value, is payable to the beneficiary(ies). Moreover, the death benefit may include riders or additional benefits that may be offered as an incentive by the carrier. Ultimately, it is important to review the policy terms to determine what type of death benefits may be available.
How does a variable life insurance quote Everett handle dividends?
In Everett, WA, dividends received from variable life insurance are typically paid in one of two ways. First, the policyholder can opt to have the dividends reinvested and apply to policy premiums or added to the policy’s cash value. Alternatively, policyholders may choose to have the dividend payments paid out in cash. Dividends issued to the policyholder, either in cash or to pay premiums, do not generate taxable income. However, any premium or cash value increases due to dividend payments will be included in the taxable investment growth upon the surrender of the policy.
Variable life insurance, while typically seen as a long-term financial and retirement planning tool, may be appropriate for Everett, WA residents with short-term coverage needs. This type of insurance allows policy holders to adjust their premiums, allowing for maximum flexibility when budgeting and planning and allowing them to customize the policy to fit their particular needs. It also offers the potential for investments to grow over time, enabling policy holders to increase their death benefit and accumulate cash value.
Can I upgrade variable life insurance policies near Everett to another policy type?
In Everett, WA, you may be able to upgrade your variable life insurance policy to another type of policy. It is important to talk to your life insurance provider about options that are available to you. Your provider may be able to offer different policies that allow you to make modifications and get additional coverage. Depending on your life insurance provider, you may even be able to keep your current policy and modify it to meet your updated needs. You should always consult with your life insurance provider about the best way to upgrade your policy to ensure that it provides the coverage you need.
Can I change investment options for variable life insurance in Everett without tax effects?
In Everett, WA it is typically possible to switch between investment options without having any tax implications. However, you should always check with your financial advisor to make sure you are aware of the implications of such a switch when it comes to tax liability and ensuring your compliance with the laws that apply. Additionally, depending on the type of investment, there could be other costs associated that should be accounted for before making any changes. If you're uncertain, it's best to speak with your financial advisor or another knowledgeable and accredited professional to discuss the best approach for you.
How does my Everett variable life insurance policy handle loan interest?
The treatment of policy loan interest in variable life insurance typically depends on the policies held by Everett, WA-based policyholders. Nevertheless, all policy loan interest is assumed by the insurance company and treated as a reduction of the policy's death benefit. So, any premium paid toward the variable life insurance is essentially covering the interest or dividends earned on the policy loan. Everett-based policyholders should be mindful that taking out a policy loan will reduce the overall death benefit that they receive when the insurance becomes effective.
What's the typical duration of terms with a Everett variable life insurance company?
In Everett, WA, the typical duration of a variable life insurance policy is determined by the policyholder. Generally, terms can be selected for duration as short as one year, or for the policyholder’s entire lifetime. Variable life insurance policies can also include an age at which the policy will terminate and the death benefit will be paid out, if not selected by the policyholder. Qualified policyholders in Everett, WA should consult with an insurance professional to determine the best term length for their individual needs.
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