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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 Frankfort, 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
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Roy Stephens is a Variable Life Insurance agent licensed in your state.
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 Frankfort, KY.
Frequent Questions...
Variable life insurance in Frankfort, KY, differs from other life insurance policies in that it allows policyholders to choose from a range of investments within a fund and how those investments are allocated. Policyholders control where their money is allocated, giving them the opportunity to build their cash value which can then be used to pay premiums or as a way of taking a loan against that money. Therefore, variable life insurance gives policyholders the freedom to decide how to invest their money, giving them the potential to earn greater rewards than traditional life insurance policies.
Can I cancel my policy after getting variable life insurance quotes in Frankfort?
In Frankfort, KY, it is indeed possible to cancel your variable life insurance policy. Before doing so, however, you should consult with a trusted insurance agent for guidance. Most agents will advise that you understand the pros and cons of canceling such a policy before doing so. Cancellation could result in financial losses or tax implications, so it is best to have a full understanding beforehand. Additionally, asking for assistance from a reliable source familiar with the available options in your area will ensure you make the best decision for you and your family.
With a variable life insurance policy Frankfort, can I decide where my premiums are invested?
Yes, you can choose where your premiums with variable life insurance are invested with respect to your specific goals and objectives. Many life insurance companies in the Frankfort, KY, area offer comprehensive advice, resources, and products so you can make the best decisions for your goals. Their experts can answer all of your questions as you compare different options to optimize your return. With variable life insurance, you can decide how and when you want to invest funds, and your investments are managed professionally. You can rest assured that you will receive the best advice as you make decisions about where to allocate your funds.
What fees are there with variable life insurance near Frankfort?
The fees associated with a variable life insurance policy in Frankfort, KY, vary by provider. Generally speaking, the annual fees for a variable policy are composed of mortality charges, fund expense loads, and policy administration fees. Mortality charges are the risk portion of the fee and they are used to cover the insurance part of the policy and provide death benefit coverage. Fund expense loads are fees that are assessed to cover the costs of managing the investment portfolio. Lastly, policy administration fees are for the fee related to the administration of the policy. Depending on the provider and policy, additional fees may be assessed.
How does a variable life insurance quote Frankfort handle dividends?
In Frankfort, KY, dividends declared from variable life insurance policies are treated as bonuses or tax-deferred dividends. Generally, these dividends increase the cash value of the policy and can be used by the policyholder to purchase additional coverage or used to pay the insurance premiums. Withdrawing dividends as cash is an option, however, taxes may be applicable. The dividends are also used to add to the death benefit of the policy and to affect its growth.
The death benefit of an investment in Frankfort, KY varies with the performance of the investment. If your investment does well, you may receive a higher death benefit plus other potential benefits, such as a larger future value or income. On the other hand, if your investment does poorly, the death benefit can decrease in value, or you may receive fewer total benefits. It's important to consider the performance of an investment when deliberating whether to make the investment in Frankfort, KY.
Can I upgrade variable life insurance policies near Frankfort to another policy type?
In Frankfort, KY, you can upgrade your variable life insurance to another type of policy by speaking with an independent agent or financial professional in your area. It is important to understand the different policies as each option offers unique benefits and coverage that may meet yours and your family's needs. The agent or financial professional can review your policy and help you decide on the best type of policy for your individual situation. They can also provide you with guidance and advice to ensure your coverage is up to date and provide optimal coverage for you.
How can I monitor performance of my variable life insurance in Frankfort?
To track the investment performance of your variable life insurance in Frankfort, KY, you may want to contact a financial advisor. They will be able to provide you with up to date information on the investment performance and any changes that may occur. Additionally, the monitoring feature on the Financial Industry Regulatory Authority (FINRA) website is a great resource to have for tracking your investments on a daily basis. You may also be able to view performance reports from the insurance company that holds your policy. This will provide you with detailed information such as yields, returns, and any consistency achieved with your investments.
Is the cash value in my Frankfort variable life insurance policy safe from creditors?
In Frankfort, KY, the cash value in variable life insurance can be protected from creditors in many instances. This generally applies when the funds are part of an irrevocable trust and/or if assets are distributed to designated beneficiaries upon death. The best way to determine if one's assets are protected from creditors is to speak with an experienced life insurance attorney in Frankfort to evaluate the applicable laws and regulations in the state of Kentucky.
How do loans affect death benefits with my Frankfort variable life insurance company?
Policy loans from variable life insurance can have a considerable impact on the death benefit in Frankfort, KY. They can lower the death benefit depending on the amount and term of the loan and any interest or additional charges due. If the loan balance is not repaid in full prior to the policyholder’s passing, the death benefit is reduced by the amount of the outstanding loan and interest, making fewer funds available for beneficiaries.
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