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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 Fayetteville, NC. 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
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Mark Sidway
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Cale Reeves
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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 Fayetteville, NC.
Frequent Questions...
Variable life insurance policies in Fayetteville, NC, offer policyholders the opportunity to invest in stock and/or bond market investments, which can potentially increase the value of the policy over time. Compared to other life insurance policies, such as Term or Whole Life, this type of policy enables policyholders to potentially receive higher returns, but also involves taking on greater risk with your hard earned money.
Are there early withdrawal penalties for variable life insurance quotes in Fayetteville?
Yes, there are generally penalties for early withdrawal from a cash value in Fayetteville, NC. These penalties will vary depending on the financial institution and the terms of the account agreement. It is recommended that consumers check their account agreement for details on any applicable early withdrawal penalties before taking funds from their account. Additionally, to have clarity on any financial penalties, it is best to contact a local financial advisor based in Fayetteville, NC to discuss the potential financial repercussions of early withdrawal.
How does the cash value work for a variable life insurance policy Fayetteville?
The cash value component of variable life insurance in Fayetteville, NC works by accumulating a portion of your premium payments over time. As you make those payments, a portion of the premium is allocated to an investment, typically through a variable portfolio of stocks and bonds. This invested portion grows tax-deferred, and is accessible to policyowners in the form of policy loans or withdrawals. The death benefit and the cash value in the policy are both impacted by investment returns over the life of the policy.
Is there a death benefit guarantee with variable life insurance near Fayetteville?
In Fayetteville, NC, the answer to whether there is a guaranteed death benefit with variable life insurance is no. Variable life insurance policies vary based on the performance of the underlying investment portfolio, meaning that the face value of the policy premiums and the death benefit cannot be guaranteed by the insurer. This means that the death benefit paid to beneficiaries may be higher or lower than expected, depending on the performance of the investments over time.
How does a variable life insurance quote Fayetteville handle dividends?
In Fayetteville, NC, dividend payments from a variable life insurance policy are taxed like any other form of investment income. Depending on the type of policy, you may be able to use these dividend payments to purchase an additional amount of life insurance, buy additional annuity payments, or have it kept as a cash asset within the policy. Any dividends received are also subject to investment risk and may increase or decrease in value over time. If the policyholder does not take action with respect to these dividend payments, they will usually be automatically reinvested into the policy.
Yes, there are age restrictions on purchasing variable life insurance policies, however these restrictions may differ depending on the provider and the state in which the policy is purchased. In Fayetteville, NC, you must be 18 years of age or older to purchase a variable life insurance policy. Depending on the type of coverage you are selecting, you may need to be 21 or even 25 years of age. Keep in mind that all life insurance providers in NC must comply with the state’s stringent regulations. Additionally, the provider you choose may have their own stipulations regarding age limits.
Can I direct specific investment strategies for variable life insurance policies near Fayetteville?
In Fayetteville, North Carolina, the policyholder may be able to dictate specific investment strategies for the cash value, depending on their individual insurance policies. It is important to speak with your insurance provider to see exactly what options are available to you as the policyholder. Every insurance company is different and could offer varying degrees of freedom in terms of investment strategies for cash values. It is important to weigh the advantages and disadvantages of different investment options, to learn the limits of these options and to understand the associated risks when considering cash value investment strategies.
Can I change investment options for variable life insurance in Fayetteville without tax effects?
Yes, you can switch between investment options without tax implications in Fayetteville, NC. The investments themselves may be subject to taxes depending on the type, but the act of switching between them typically has no associated tax implications. This means you can switch investments without having to pay taxes on any profits or gains from the switch. In addition, the capital gains tax rate in Fayetteville, NC is the same as the regular tax rate so it generally benefits you to switch investments when it's economically beneficial to do so.
Is the cash value in my Fayetteville variable life insurance policy safe from creditors?
Residents of Fayetteville, NC wondering whether cash value in variable life insurance is protected from creditors should know that the answer is generally yes, but this may depend on the specific laws in their jurisdiction and the individual circumstances. Funds held within variable life insurance policies most commonly have creditor protections that exceed the normal state or federal regulations. Exemptions from creditors vary by state, but in North Carolina policy owners may find additional relief through the state law, which provides for an exemption of up to an aggregate principal sum of $100,000 of insurance cash values from the claims of a policyowner's creditors.
How do loans affect death benefits with my Fayetteville variable life insurance company?
Policy loans from variable life insurance have an impact on the death benefit for certain policies in Fayetteville, NC. If the policy loan taken is higher than the policy’s cash value, it could reduce the policy's death benefit. In such cases, the death benefit reduces by the amount of unpaid loan principal plus interest owed. The policyholder can also make payments on the policy loan and can thereby ensure that the death benefit is not reduced. Additionally, if the interest on the loan is paid as it accrues, the policyholder can avoid reducing the death benefit.
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