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Compare over 37 Variable Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Fort Thomas, KY Variable Life Insurance policy providers in as little as 15 minutes. Save time. Save big. Get started now.
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Our team tailors policies to your unique needs, meaning optimal coverage at competitive rates.
"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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Step 2
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Secure the lowest rates and lock in the perfect life insurance policy for you and your family.
"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.
Get started in less than 15 minutes.
With PolicyHub getting started is easy. Compare all the Variable Life Insurance rates from all the providers in Fort Thomas, KY. 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 Fort Thomas, KY.
Frequent Questions...
Individuals in Fort Thomas, KY who want to combine life insurance protection and the potential to build cash value in a tax-advantaged way should consider purchasing variable life insurance. Variable life insurance is a long-term financial product that allows policyholders to select how their premium dollars are invested from a menu of options, with the potential for greater returns than other types of life insurance.
Do variable life insurance quotes in Fort Thomas come with a cash surrender value?
Yes, variable life insurance in Fort Thomas, KY has a cash surrender value. This is the sum of money that is paid out if the policyholder decides to cancel their policy before the plan matures. The exact amount of the cash surrender value will depend on the types of investments that have been made within the policy, as well as the age and health of the policyholder. It can be used for any purpose, such as college expenses, debt repayment, or as emergency funds.
With a variable life insurance policy Fort Thomas, can I decide where my premiums are invested?
Yes, you can choose where your premiums are invested with variable life insurance, provided you have the right resources and professionals to assist you with the process. In Fort Thomas, KY, residents have access to an experienced and knowledgeable team of financial advisors who can guide them through the selection process so that the best areas for investing are identified. They can offer personalized advice on which investments may be more suitable for you based on your goals, timeframe, and other factors.
Do I need to understand investments for variable life insurance near Fort Thomas?
No, you do not need to be investment-savvy to purchase variable life insurance in Fort Thomas, KY. An experienced financial professional can walk you through the process, providing you with the knowledge and confidence you need to make the best decision for you and your family’s financial goals and objectives. Working with a financial expert can provide you with peace of mind that you are making the best decisions possible for you and your family.
What are the surrender fees for a variable life insurance quote Fort Thomas?
Variable Life Insurance surrender charges vary depending on the type of policy you purchase and the provider. In Fort Thomas, KY, surrender charges on a Variable Life Insurance policy might range from 6 8%, depending on the insurer. Each insurer will have their own terms and surrender charge structure, so it is important to speak to a trustworthy independent agent who can provide clarity on what to expect regarding surrender charges when selecting the right provider.
Residents of Fort Thomas, KY have the primary benefit of variable life insurance which allows them to adjust their level of coverage depending on their individual needs. Variable life insurance also enables them to invest the premiums, tax-deferred, while building up cash value that can be used for additional coverage, loan repayments, or retirement savings. Additionally, variable life insurance can provide cost savings when used in lieu of other plans and includes a range of investment choices. These investments are designed to provide cash value returns, and can even serve as final expense life insurance coverage for surviving family members.
Do variable life insurance policies near Fort Thomas provide guarantees on returns?
Variable life insurance is a great way to potentially build wealth in Fort Thomas, KY. However, it is important to note that there are no guarantees on investment returns with variable life insurance. While it does offer the potential for growth, just like any other type of investment it is subject to market fluctuation and the actual rate of return may differ from the expected rate of return. It is therefore important to do thorough research and consult a financial expert to make sure that this type of investment strategy is suitable for your objectives and financial situation before you invest any money.
How regularly should I check my variable life insurance in Fort Thomas?
Reviews of a variable life insurance policy from Fort Thomas, KY should be conducted regularly, as that policy is subject to change depending on the stock market and other economy related factors. Therefore, you should review your policy at least once a year. Additionally, reviewing your policy when there is a major market or economic event can help you ensure that the coverage and terms of the policy remain the most beneficial for you. Working with your licensed insurance agent in Fort Thomas, KY can also offer you a more detailed analysis of your policy's performance and provide assurance while making sure that you are still properly insured.
How does my Fort Thomas variable life insurance policy handle loan interest?
In Fort Thomas, Kentucky, the interest on a policy loan on a variable life insurance policy is treated as part of the cash value of the policy, where it will earn additional dividends or increase in value based on the performance of the stock market or other investments. Policyholders will typically be charged an interest fee on the policy loan, which is based on the tied investment values of the policy. However, the interest can also be used as an increase in the death benefit, or returned to the policyholder as cash at the end of the term.
What's the typical duration of terms with a Fort Thomas variable life insurance company?
In Fort Thomas, KY, the typical duration of a variable life insurance policy is determined by the policyholder when they sign up for the policy. Generally, variable life insurance policies have no fixed duration, meaning policyholders can choose to keep the policy in force for as long as they need, typically until they reach a certain age or when they are no longer able to keep up with the payments or when they need to terminate the policy for other reasons. Depending on the insurance company, policyholders may also be able to select from several different policy durations ranging from 10-30 years or even longer.
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