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With PolicyHub you get to compare over 37 Fountain Valley, CA Variable Life Insurance policy providers in as little as 15 minutes. Save time. Save big. Get started now.
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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 Fountain Valley, CA. 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
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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 Fountain Valley, CA.
Frequent Questions...
In Fountain Valley, CA, a variable life insurance policy is a policy that provides financial protection while also offering the policyholder a choice of where their money is invested. The primary components of this type of policy include a death benefit, an investment account, and a cash value component. The death benefit pays out to the beneficiaries upon the death of the insured, while the investment account allows the policyholder to select investments that fit their own goals and risk tolerance.
Are there early withdrawal penalties for variable life insurance quotes in Fountain Valley?
Yes, there are penalties for early withdrawal from the cash value in Fountain Valley, CA. Those with permanent life insurance policies may incur a surrender charge applied to premiums withdrawn before the end of the policyβs surrender period. This charge will vary based on the time since you purchased your policy and the terms of the policy itself. Additionally, you will lose a portion of the cash value, as this money is used in part to pay the surrender charge. Furthermore, you may also lose dividends for the policy, as well as access to certain policy riders or benefits, depending on your policy.
With a variable life insurance policy Fountain Valley, can I decide where my premiums are invested?
Yes, with variable life insurance in Fountain Valley, CA, the policyholder has the flexibility to choose where their premiums are invested. Depending on the policyholder's risk profile and financial goals, they can select from a range of investments, including stocks, bonds, mutual funds, and money market funds. It's important to note that any investment involves market risk and there are no guaranteed returns. Furthermore, a policyholder should always seek the advice of their qualified financial advisor before investing to ensure their choices follow their objectives.
How transparent is the investment performance of variable life insurance near Fountain Valley?
Transparency in the investment performance of variable life insurance is vitally important to ensuring that individuals in Fountain Valley, CA are best served to reach their retirement goals. Dedicated, experienced financial planners will provide the necessary insight into how investments are performing within these life insurance policies, offering clear advice to help maximize returns. As such, clients are given detailed guidelines for making educated investment choices that also include the risks involved. This level of transparency also affords individuals in the area the opportunity to obtain high quality financial guidance, that can help them meet their desired retirement goals.
What are the surrender fees for a variable life insurance quote Fountain Valley?
The surrender charges for variable life insurance in Fountain Valley, CA can vary depending on the policy you purchase. Companies typically charge a surrender fee if the policyholder terminates the policy within the first few years of purchase. Generally, the surrender charge declines over time, sometimes over two to three years, before it completely goes away. It's always best to check with your life insurance company to get the specifics of their policy and surrender charges.
Variable life insurance can be suitable for short-term coverage needs depending upon the specifications of the policy. In Fountain Valley, CA, there are a variety of options available from life insurance providers that a policyholder may find suitable. Whether it is term life insurance with a specific number of years until the policy ends, or a whole life policy that may be extended, the policyholder has the freedom to customize a policy to cover their short-term needs.
Can I direct specific investment strategies for variable life insurance policies near Fountain Valley?
The policyholder can provide suggestions regarding specific investment strategies for the cash value; however, ultimate discretion and authority regarding the investments lies with the policyholder's chosen insurance provider. Since Fountain Valley, CA is part of Orange County, policyholders in the area should be sure to select an insurance carrier that has a long and trusted history in the region, as local knowledge can prove to be very beneficial when it comes to selecting the right insurance provider.
How can I monitor performance of my variable life insurance in Fountain Valley?
In Fountain Valley, CA, you can track the performance of your variable life insurance investment by utilizing an online resource like Morningstar or Yahoo! Finance. These sites provide up to date information on your portfolio, showing the current rates of growth/decline as well as historical data. Additionally, you can consult a licensed financial expert in your area who can offer tailored advice, ensuring that your investments reach their full potential while also meeting your personal goals.
Is the cash value in my Fountain Valley variable life insurance policy safe from creditors?
In Fountain Valley, CA, variable life insurance policies come with a cash value that is exempt from creditor claims in most cases. This means that the cash accumulated in a variable life insurance policy is generally protected, even if the policyholder finds themselves in a financial situation where they owe money to creditors. This cash value can be tapped as needed and can remain available even if the policyholder is in bankruptcy. This protection from creditors is an essential benefit of this type of policy.
How do loans affect death benefits with my Fountain Valley variable life insurance company?
Policy loans from variable life insurance can have a significant impact on the death benefit in Fountain Valley, CA, by reducing or eliminating the proceeds that are available to your beneficiaries. If you are considering taking out a loan, it is important to understand the potential tax and other implications for your loved ones as the death benefit could be reduced significantly if the loan is not repaid. Additionally, if you cancel the policy or die before the policy loan is repaid, you may be subject to income tax plus interest penalties.
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