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With PolicyHub you get to compare over 37 Franklin, OH 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 Franklin, 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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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 Franklin, OH.
Frequent Questions...
A variable life insurance policy offered in Franklin, OH is a form of permanent life insurance, meaning a policy that can be kept in place for the duration of the insured's life. It is designed to provide financial security to the insured's beneficiaries upon his or her passing and consists of three essential components: a cash value account, a death benefit account, and an underlying investment account.
With variable life insurance quotes in Franklin, how is the beneficiary impacted by investment performance?
Investing in Franklin, OH can be very beneficial to the beneficiary. The investment performance will have a direct effect on the beneficiary: through appreciation of investments, dividend income, increased property values, and more. As the investments grow in value, the beneficiary will have more access to funds, as well as an increase in wealth over time. Furthermore, the growth of the investments will create increased tax advantages, such as lowering taxable income, and reducing the cost of capital. Ultimately, the beneficiary is rewarding by having more access to investments, appreciation, income, and a decrease in taxes.
How does the cash value work for a variable life insurance policy Franklin?
In Franklin, OH, the cash value component of variable life insurance works like a savings account. Policyholders are able to contribute premium payments above the cost of insurance, which are placed in an account that can accumulate value through the investment choices made available to the policyholder. They can also access this cash while they're living—either in part or in full—through borrowing or withdrawing. This cash value component is also helpful in managing the cost of the policy since it decreases the amount of future premiums that need to be paid.
Do I need to understand investments for variable life insurance near Franklin?
No, you do not need to be investment-savvy to purchase variable life insurance in Franklin, OH. An insurance agent in Franklin can guide you through the process and provide detailed information about the different types of life insurance available. They can also suggest products that are best-suited for your needs and suggest strategies that might help you meet your long-term financial goals. They can provide a personalized plan that takes into account your age, health, lifestyle, and other risk factors associated with variable life insurance.
Is there a minimum guaranteed return with a variable life insurance quote Franklin?
Variable life insurance, such as the policies offered by many providers to Franklin, OH customers, does not guarantee a minimum return but rather allows policyholders to assume some level of risk in order to potentially gain greater returns. The policies are based on investments that the policyholders themselves create and manage, which can provide policyholders with greater rewards if their investment strategies are successful. However, there is also a greater potential of loss if the investments do not go as planned. It is important for policyholders to evaluate their risk tolerance and thoroughly understand the product before purchasing a variable life insurance policy.
Variable life insurance may be an ideal option for Franklin, OH residents who need short-term coverage options. With variable life insurance, policyholders are able to adjust their premiums, death benefits, and accumulation values at the discretion of the policyholder, offering a unique level of flexibility. Additionally, the policyowner enjoys a greater level of potential returns than with traditional policies due to the investment-related features. This allows for the potential of better returns and, in time, greater rewards for short-term coverage needs.
Can I direct specific investment strategies for variable life insurance policies near Franklin?
In Franklin, OH, a policyholder is able to work with an insurance professional to discuss specific investment strategies when it comes to allocating cash value from the policy. Having a life insurance policy that offers available cash value gives the policyholder the flexibility to make their own decisions for managing the cash value. However, it is important to note that decisions should be made with the advice and guidance of an insurance professional to help ensure the strategy best meets the policyholder's short and long-term life insurance goals.
How can I monitor performance of my variable life insurance in Franklin?
To track the investment performance of your variable life insurance in Franklin, OH, first contact the creditor issuing your policy for a full financial portfolio which details the investment performance of the variable fund and how your money is being invested. Additionally, many insurers provide easy online account access which includes detailed charts of investment performance, as well as the value of your policy and any other information regarding your insurance. Besides that, registering your policy with a third-party website like Morningstar Investments or similar services can help you track the performance of your policy as well.
Is my Franklin variable life insurance policy considered permanent life insurance?
Yes, variable life insurance is a type of permanent life insurance, and in Franklin, OH it is one of the many life insurance options available to you. Variable life insurance offers flexibility to your life insurance coverage by allowing you to invest additional premiums in securities such as mutual fund investments. This will play an important role in the future of your financial well-being, as the growth in the value of the securities can help provide a greater benefit to you and your loved ones in the event of an untimely passing.
Do I get dividends from my Franklin variable life insurance company?
Whether you receive dividends from the investments in your variable life insurance policy in Franklin, OH depends on the type of policy you have. Generally, dividends are paid out by the insurance company according to certain criteria specified in the plan. The amount of dividend you may receive is contingent upon the performance of the investments your policy is invested in and how they affect the company’s total profit. Speak directly with a local insurance agent in Franklin to determine the conditions and associated criteria of the dividend payments you may receive and under which scenarios your policy would qualify for such payments.
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