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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 Excelsior Springs, MO. 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 Excelsior Springs, MO.
Frequent Questions...
Variable life insurance is a type of life insurance policy specifically suited for Excelsior Springs, MO residents. It offers growth potential through investment gains, flexible premiums, and death benefit protection for family members and other beneficiaries. Variable life insurance policies are more complicated than other life insurance policies, and it is important to understand their specific features, limitations, and restrictions. In City of Excelsior Springs, there are different types of insurance companies that provide this type of insurance coverage thereby offering more flexibility and tailor-made solutions that would fit individual needs.
Are there early withdrawal penalties for variable life insurance quotes in Excelsior Springs?
Yes, there are potential penalties for early withdrawal from a cash value in Excelsior Springs, MO. This is because early withdrawal can reduce the amount of the cash value that is available and may disqualify the holder from certain tax benefits traditionally associated with the plan. Before any withdrawals are made, it is important to discuss the options with a financial advisor who is knowledgeable of the area's regulations and advisement.
With a variable life insurance policy Excelsior Springs, can I decide where my premiums are invested?
Yes, with variable life insurance plans that are offered in Excelsior Springs, MO, you have the ability to select where your premiums are invested. Depending on your individual needs and risk tolerance, you can create a portfolio that is tailored to you and your situation, giving you the confidence that your money is working hard for you. Numerous investment options are available, so you can prioritize security while still receiving potential returns on your premiums.
What fees are there with variable life insurance near Excelsior Springs?
The fees associated with variable life insurance will vary depending on the carrier and plan type you select for your Excelsior Springs, MO policy. Generally, variable life insurance policies come with higher fees than traditional life insurance because of their flexibility and the investment options associated with them. Typical fees could include annual premiums, administrative fees, policy fees, and costs associated with the investment or fund selections within the policy. It can be beneficial to meet with a financial advisor local to Excelsior Springs to discuss the various fees associated with the different variables insurance policies available in your area.
Is there a minimum guaranteed return with a variable life insurance quote Excelsior Springs?
Variable life insurance offers an array of investment options and flexibility for policyholders in Excelsior Springs, MO and beyond. While the amount of return you receive from your policy is not guaranteed, you typically receive returns greater than those associated with fixed life insurance policies. Whether you're an experienced investor or just getting started, variable life insurance could be a great option for your long-term financial objectives. You will likely have more control over your investments, and may benefit from features such as tax-deferred growth on earnings and the possibility of greater rewards than you could obtain with a fixed life insurance policy.
There are generally limitations of fund transfers imposed by the policy issued in Excelsior Springs, MO. These limitations can typically include the length of the transfer, the maximum dollar amount allowed, and any fees associated with the transfer. Transfers can also be limited by time frames, such as one transfer per month, and it is important to make sure that all record-keeping regulations are followed to ensure the safety and security of the funds. Additionally, the policy may impose additional restrictions on the type of funds that may be transferred, such as excluding certain types of financial instruments or activities.
Do variable life insurance policies near Excelsior Springs provide guarantees on returns?
Variable life insurance in Excelsior Springs, MO offers flexible financial solutions that can help reach many different goals. These insurance policies are structured differently than traditional life insurance in that the investments within the policy are at risk. The policyholder is the one that chooses the underlying investments and ultimately determines the level of risk and return that is possible. While there are no guarantees when it comes to investment returns, the policyholder will have access to a wide range of investment options, allowing them to be able to design a portfolio that meets their specific needs.
How can I monitor performance of my variable life insurance in Excelsior Springs?
To track the investment performance of your variable life insurance in Excelsior Springs, Missouri, you have a few options. First, you can reach out to a local financial planner who can analyze your individual situation and provide helpful advice. Additionally, you can use online portfolios tracking tools available for free or for a fee to compare fund returns, expenses, and other pertinent data. Lastly, you can research and track investments yourself by monitoring the performance of your investments through your account statements.
Is the cash value in my Excelsior Springs variable life insurance policy safe from creditors?
Yes, in Excelsior Springs, MO, a cash value in variable life insurance is generally protected from creditors. This is because of the Kansas City District Court of Appeals that ruled that a policyholder’s interest in a life insurance policy, including any policy-related cash values or dividends, is exempt from creditor collection in the state of Missouri. This important piece of legislation protects Missouri policyholders from having their assets seized by creditors in the event of financial hardship.
What's the typical duration of terms with a Excelsior Springs variable life insurance company?
Variable life insurance policies can be customized to meet the specific needs of policyholders. In Excelsior Springs, Missouri, the typical duration for a variable life insurance policy is typically between 10 and 30 years, depending on the type of plan chosen by the policyholder. Term life insurance, the most basic form of policy, may last anywhere from 5 to 30 years depending on the contract. A permanent plan, such as whole life, universal life, or variable universal life, offers coverage that can last until the policyholder's death and can also permit access to the cash value accumulation.
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