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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 Finneytown, OH. 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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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 Finneytown, OH.
Frequent Questions...
Variable life insurance is a type of permanent life insurance that provides policyholders in Finneytown, OH with some control over their investments, as part of the policy's cash-value component. While other life insurance policies just offer a fixed death benefit, variable life insurance allows policyholders to invest a portion of their premium payments in the stock and bond markets, which could potentially result in greater returns than the fixed death benefit. Policyholders are still protected by a guaranteed death benefit no matter what happens in the market. Variable life insurance offers a unique opportunity for individuals seeking more control over their investments.
Are there early withdrawal penalties for variable life insurance quotes in Finneytown?
In Finneytown, OH, there may be penalties for early withdrawal from the cash value of an account. The financial institution you have your account with will provide you with specifics on what penalties may apply. Generally speaking, the penalty associated with early withdrawal can be a decrease in the accountโs value plus a fee. Additionally, depending on the type of account, early withdrawal may result in a reduced amount of interest earned on the account.
Can I withdraw or borrow from a variable life insurance policy Finneytown?
It is possible to withdraw or borrow from the cash value of your variable life insurance policy if you live in Finneytown, Ohio and meet the requirements. Depending on the terms of your policy, you may be able to take out a loan against the cash value of your policy. Additionally, you may be able to surrender the policy and receive the cash surrender value. You should speak to your local agent or broker to review the specific details of your policy and to get more information about withdrawing or borrowing from the cash value of your life insurance policy.
How transparent is the investment performance of variable life insurance near Finneytown?
Finneytown, OH residents looking for transparency in their variable life insurance investments can rest assured that they will be provided with clear and detailed information. All investment performance and associated fees are outlined in a concise manner, detailing all levels of income and expenses. Investment activity is reviewed regularly and the results of those reviews are shared with customers, providing customers with insight into their investments. Additionally, comprehensive customer service is available to those in Finneytown to answer all questions and provide guidance and support.
Is there a minimum guaranteed return with a variable life insurance quote Finneytown?
Variable life insurance offers a flexible saving and investing opportunity for those who call Finneytown, OH home, and while there is no absolute guarantee of any given return, customers are provided with a range of options that can help them reach their financial goals while potentially growing their assets over time. This form of insurance allows customers to invest in mutual funds, which can potentially generate growth, much like any other investment โ however, they are also guaranteed to never lose more than their original contribution.
Finneytown, OH residents may find variable life insurance to be an attractive option due to its many key benefits. Variable life insurance is a form of permanent life insurance that accumulates a cash value over time and gives policyholders the flexibility to decide exactly how to invest in a range of options and to adjust their investments as their life circumstances evolve. Additionally, any tax-deferred income grown within the policy can supplement retirement savings that may make up for any lost savings opportunities throughout your lifetime.
Can I upgrade variable life insurance policies near Finneytown to another policy type?
In Finneytown, Ohio, many insurance agency offer the ability to switch from variable life insurance to a different type of policy. Depending on your unique needs and financial goals, one of the agencies can identify a different type policy that may benefit you in the long-term. When you contact an insurance agency in Finneytown, you can discuss the different advantages of different types of policies and how your current variable life insurance may or may not fit into the overall financial picture.
Can I change investment options for variable life insurance in Finneytown without tax effects?
Yes. If you live in Finneytown, OH, you can switch between investment options without tax implications as long as your investments remain within a single tax-deferred retirement plan. You can move investments from one fund to another within the same plan without recognizing any taxable income or triggering any taxes.
Can I use my Finneytown variable life insurance policy for retirement savings?
Variable life insurance in Finneytown, OH, can certainly be used as a retirement savings vehicle. The primary benefit of variable life insurance is that it provides policyholders with the opportunity to save for retirement, and manage and adjust their investments in a flexible, tax-advantaged way. At the same time, policyholders can use their cash value as a death benefit. Variable life insurance is different from other retirement savings tools, such as IRAs or 401(k)s, because it allows individuals to tailor the investment portfolio to their needs and goals.
How do loans affect death benefits with my Finneytown variable life insurance company?
Policy loans from variable life insurance can have an effect on the death benefit in Finneytown, OH. If the policyholder does not fully repay the loan prior to passing, the death benefit will be reduced by the amount outstanding on the loan. In addition, some policies impose loan interest charged at a rate higher than the rate of growth, which means the death benefit is consistently reduced over time while the loan balance grows. It is essential for policy holders in Finneytown, OH to ensure they understand the impact policy loans can have on the death benefit amount that will be paid upon their death.
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