Compare over 37 Variable Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Frederick, CO Variable Life Insurance policy providers in as little as 15 minutes. Save time. Save big. Get started now.
Find the perfect plan from over 37 providers
Your one-stop-shop to compare all the rates, all at once.
With PolicyHub you get:
Over 37 policy provider comparison.
Explore multiple policies from all the leading insurers and choose the one that fits your needs.
Locked in rate discount and exclusive deals.
Benefit from exclusive deals offered only to residents of your state, and lock in huge rate discounts.
Customized policies just for you.
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
ATTN: 2024 Variable Life Insurance rates just released!
Get the latest Variable Life Insurance rates for 2024 and lock in your policy today! Get started comparing policies right now.
Get the Variable Life Insurance plan with the cheapest rates in 3 easy steps.
Done in 3 easy steps
Step 1
Tell us about yourself.
Finding the perfect life insurance policy starts with answering a few questions to help us serve you better.
Step 2
Compare rates & plans.
Discuss your options with a licensed insurance agent. Compare plans to find the best policy & cheapest rates.
Step 3
Lock in cheap rates.
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 Frederick, CO. 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.
Save time and get the best Variable Life Insurance policy with the cheapest rates. Guaranteed.
![]() |
Option 1 | Option 2 | ||
---|---|---|---|---|
100% Digital | ||||
Licensed Agents | ||||
Expert Support | ||||
Get Started in 15 minutes | ||||
Decades of Experience | ||||
Compare 37+ Providers | ||||
Zero Hidden Costs | ||||
Top Insurance Providers |
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 Frederick, CO.
Frequent Questions...
In Frederick, CO, a variable life insurance policy typically consists of a death benefit, an accumulated cash value, and the policyholder's ability to invest in different funds offered in the policy. The death benefit pays the designated beneficiary in the event of the policyholder's death, and the cash value is an account that allows the policyholder to accumulate a set amount of money on a tax deferred basis. The policyholder can also choose to invest in different funds by changing the allocation of premiums in the policy, thus creating a personalized portfolio with potential for growth.
Do variable life insurance quotes in Frederick come with a cash surrender value?
Yes, variable life insurance policies in Frederick, CO do have a cash surrender value. The amount of cash value associated with such a policy will depend on the individual policy and the length of time it has been in force. Generally speaking, the longer the policy has been in force, the more cash value accumulates, making this a valuable resource when needed. It's important to note that due to underlying risks associated with variable life insurance, the cash surrender value may fluctuate as the markets move. Consulting a financial professional can help determine what the current cash surrender value of a policy may be.
How does the cash value work for a variable life insurance policy Frederick?
In Frederick, CO, the cash value component of variable life insurance policies will depend on the type of policy and the performance of the investments that have been chosen. Generally, when paying premiums into the cash value component, the money is then invested into mutual funds available within the policy. The growth of these investments can result in a cash value accumulation that may be used for loan purposes, or to supplement retirement income. In addition, when the policyholder passes away, their beneficiaries will receive the death benefit, as well as any remaining cash value within the policy.
How often can I modify my investments in variable life insurance near Frederick?
Frederick, CO residents can adjust their investment choices with variable life insurance policies as often as they like, however, individual insurance plans may have limits or restrictions in place. Generally, policy holders can review and update their investments daily, although some policies may require minimum holding periods, such as three to six months. It's best to review the details of your policy to find out what works for you. Contact your insurance provider to receive more specific advice about quantitative updates to your portfolio.
Can I include riders in my variable life insurance quote Frederick?
Yes, Frederick, CO residents can add riders to their variable life insurance policy. Adding riders to your policy helps provide additional security and coverage, and there are several possible riders available, such as an accidental death benefit rider, an accelerated death benefit rider, and a waiver of premium rider. As with any insurance policy, you should review all riders carefully to find the ones that best meet your individual needs before signing any contracts.
In Frederick, CO, death benefit varies with the investment performance depending on the type of life insurance policy you select. For example, if you purchase an annuity policy with low or no fees, the death benefit can increase significantly due to the appreciation of the investments, which can be beneficial as it could be passed on to your family in the event of your untimely death. On the other hand, if you purchase a term policy, the death benefit is not tied to the performance of the investments, but can still provide valuable estate protections for your family.
Do variable life insurance policies near Frederick provide guarantees on returns?
Variable life insurance in Frederick, CO does not guarantee any return on investment. However, it does offer policyholders access to various investments and the potential to gain or lose depending on the market. With this type of policy, individuals can diversify their portfolios by investing in different types options such as stocks, bonds, annuities, and mutual funds. It's important to understand the risk factors associated with each of the investment options, as some may be more volatile than others. Potential policyholders should also review the fees and expenses before committing to a variable life insurance policy.
How can I monitor performance of my variable life insurance in Frederick?
Frederick, CO has many resources available to help track the investment performance of your variable life insurance. Start by talking to an experienced financial advisor in Frederick – they can provide advice on the different strategies you can use to monitor the performance of this type of insurance. Once you have a strategy in mind, you can take advantage of online tools such as budget-tracking apps, rates of return calculators, and other financial tracking software services to keep an eye on your investments when it comes to variable life insurance.
How does my Frederick variable life insurance policy handle loan interest?
In Frederick, CO, policy loan interest in variable life insurance policies is treated in the same way it is understood across the country. The loan balance and the interest charges are included in the cash value of your policy and are taken into consideration for the forfeiture rate calculation. In addition, policy loan interest charges are generally subject to applicable state and federal taxes. It is important to note that policy loan interest charges usually represent a loss of policy value and the potential death benefit that would have been payable during the life of the insured.
How do loans affect death benefits with my Frederick variable life insurance company?
Policy loans from variable life insurance can have an impact on Frederick, CO resident's death benefit, but there are ways to minimize that impact. Generally, the loan will reduce the death benefit amount that would otherwise be paid if the loan were not taken out, that if taken out and not paid back, the policies' cash value will slowly reduce if no beneficiaries are available to repay the loan. Fortunately, any interest payments made on policy loans can help reduce the risk of personally taking a loan on your policy and decreasing the amount of the death benefit.
Compare Frederick, CO Variable Life Insurance Policies
Get started today and compare over 37 Variable Life Insurance providers in as little as 15 minutes.
© 2024 PolicyHub - all rights reserved