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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 Flowing Wells, AZ. 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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Mark Sidway is a Variable Life Insurance agent licensed in your state.
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 Flowing Wells, AZ.
Frequent Questions...
In Flowing Wells, AZ, the primary components of a variable life insurance policy are cash value account, a death benefit, and a flexible premium feature. The cash value account offers the policyholder the opportunity to invest their money in different investment instruments, such as stocks and bonds. The death benefit ensures that the policyholder's family or designated recipient will receive a predetermined amount of money upon the policyholder's passing. The flexible premium feature enables the policyholder to adjust their premium payments as needed, up to an agreed upon maximum.
With variable life insurance quotes in Flowing Wells, how is the beneficiary impacted by investment performance?
In Flowing Wells, AZ, an investment's performance can greatly affect the beneficiary of the investment. If the investment performs positively, the beneficiary will benefit in the form of higher than expected returns. On the other hand, if the investment performs poorly, the beneficiary may experience a decrease in returns, leading to a diminished financial position overall. With this in mind, it is important for those in Flowing Wells, AZ to be judicious when selecting their investments to ensure that they produce desired returns and serve their ultimate purpose of producing financial gain.
How does the cash value work for a variable life insurance policy Flowing Wells?
In Flowing Wells, AZ, variable life insurance typically provides an additional cash value component that is designed to protect policyholders from unanticipated expenses that arise over the course of the policy. This cash value element grows with time, and is derived from underlying investments linked to the policy that are derviatives of equity investments and/or fixed or variable interest rates. This flexibility can allow policyholders to save for large purchases, retirement, or to cover the cost of funeral services and other final expenses even in uncertain times.
Do I need to understand investments for variable life insurance near Flowing Wells?
No, you don't need to be an investment pro to get variable life insurance in Flowing Wells, AZ. You may be able to purchase your policy directly from the insurer or from a licensed broker, which means that you can access the benefits of variable life insurance products without the need to have extensive knowledge about the investing world. An insurer or broker in Flowing Wells will provide you with the information you need to understand your options and make an informed decision.
How does a variable life insurance quote Flowing Wells handle dividends?
Dividends in variable life insurance policies can play an important role in protecting your financial future in the Flowing Wells, AZ area. Not only do they help to offset policy fees and costs, but they can also be used as a reinvestment option or to purchase additional life insurance coverage. Depending on the requirements of your policy, dividends may also be paid directly to policyholders or become part of the cash value portion of your policy. Life insurance dividends can help to provide long-term financial security for local Flowing Wells families.
Yes, there are age restrictions for buying variable life insurance in Flowing Wells, AZ. As stated by Arizona state law, individuals must be at least 18 years of age to purchase any form of life insurance, including variable life. Furthermore, the Arizona Insurance Department also requires insurers to check each applicant's age before approving any policy. Indeed, no matter where one lives in Arizona, ensuring that potential clients meet the legally required minimum age is an important part of the process for obtaining life insurance.
How does cash value growth influence death benefit with variable life insurance policies near Flowing Wells?
Variable life insurance policies allow for the potential growth of your policyβs cash value, which is tied to the financial performance of the underlying investment options available in the policy. In Flowing Wells, AZ, these investment options range from stocks, bonds, mutual funds, and other investments with varying risk levels.
Are management fees for variable life insurance in Flowing Wells similar to mutual funds?
The correlation between management fees for variable life insurance and mutual funds can vary; however, in general, they are typically the same. In Flowing Wells, AZ, variable life insurance companies typically offer the same rates as mutual funds. It's important to note that fees mainly depend on the company's reputation, investment return rates, and the insurance products marketed. However, in Flowing Wells, AZ, you may find that some life insurance providers offer lower management fees than mutual funds.
How does my Flowing Wells variable life insurance policy handle loan interest?
In Flowing Wells, Arizona, variable life insurance policies treat policy loan interest similar to how other types of loans are treated in the state the interest is reported as income. However, since the variable life insurance policy is a contractual agreement between two parties, the policyholder is the borrower and California Life Insurance Company is the lender. This means that the policyholder will need to pay the accrued policy loan interest to California Life Insurance Company, and the policyholder will also be required to report the loan interest as income on their tax form for the year in which the policy loan was taken out.
Do I get dividends from my Flowing Wells variable life insurance company?
It depends on the specific investments you have withing your variable life insurance policy in Flowing Wells, AZ. Generally speaking, investments such as stocks and exchange-traded funds do provide dividends, however, certain investments may not. If you are uncertain if the investments within your policy provide dividends, be sure to speak with your policy provider to get a better understanding of what you are entitled to.
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