Compare over 37 Variable Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Fridley, MN 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 Fridley, MN. 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 Fridley, MN.
Frequent Questions...
A variable life insurance policy in Fridley, MN typically contains four primary components: coverage amount, beneficiary designation, a cash value fund account, and policy charges. The coverage amount defines the death benefit, the beneficiary designation names the individual(s) to receive the benefit, the cash value fund account involves investing surplus contribution money, and the policy charges cover the policy's expenses and other fees. In Fridley, MN, variable life insurance policies provide flexibility and the potential for growth, enabling policyholders to have more control over their investments.
Can I cancel my policy after getting variable life insurance quotes in Fridley?
In Fridley, MN, you certainly can cancel your variable life insurance policy if you no longer need it. Depending on the state in which you purchased the policy, you may have the right to cancel it without penalties within a certain amount of time. Once that time period has passed, you can still cancel the policy, but you may be subject to surrender charges or other fees. In that event, you will need to contact the insurance company directly and discuss the cost of canceling the policy.
With a variable life insurance policy Fridley, can I decide where my premiums are invested?
Yes, when investing in variable life insurance in Fridley, MN, you can choose where your premiums are invested. With this type of policy, your premiums are invested in equity and fixed-income securities, such as stocks, bonds, mutual funds, and other investment vehicles, offering you the potential for higher returns. As with any investment, there are risks associated with variable life insurance when choosing which investment vehicles to allocate your premiums toward and how to manage them. It's advised to speak with a financial professional to ensure that any decisions are in line with your goals.
How often can I modify my investments in variable life insurance near Fridley?
Depending on which company you have chosen for your variable life insurance in Fridley, MN, you can usually change your investments as often as you'd like. Some companies may have certain restrictions or charges, so it's important to review the documents that outline your policy and check with your insurer. Generally speaking, you should have the freedom to adjust your investments to better meet your needs as your life changes and your financial goals evolve over time.
What happens if my variable life insurance quote Fridley underperforms?
If your chosen investments perform poorly, it's important to seek the help of a qualified financial advisor in Fridley, MN to review your short-term and long-term investment strategies. With the right guidance, you can restructure your portfolio to reduce your risk and optimize your returns, while also helping to protect the portion of your investment that may have already experienced losses. Seeking the advice of a professional can also help to inform future decisions related to investing, to ensure that your financial goals continue to be met.
Variable life insurance can be a great fit for short-term coverage needs in Fridley, Minnesota. Depending on your objectives, you have the option to invest additional funds and potentially increase the value of your policy. Additionally, you have the flexibility to control how and where your money is invested which could result in higher returns. Variable life insurance in Fridley provides numerous advantages over other common types of life insurance such as term, universal, and whole life insurance, such as cash value growth potential, flexible premium payments, and access to policy loan funds.
Can I upgrade variable life insurance policies near Fridley to another policy type?
Yes, you can upgrade your variable life insurance policy to another type of policy in Fridley, MN. Your financial consultant can discuss the various options with you, such as term life insurance, whole life insurance, and universal life insurance, so you can make a decision based on your particular needs and finances. Depending on the policy you choose, your benefits could also increase and provide you with greater coverage. It's wise to research your options thoroughly and connect with your local financial professionals to ensure you understand all the terms and conditions associated with the new policy.
Can I change investment options for variable life insurance in Fridley without tax effects?
Yes, you can switch between investment options without facing tax implications provided you are located in Fridley, MN. Generally speaking, as an investor, you can buy and sell specific investments without any tax implications in the short-term, as long as you hold the investments for more than one year before you sell them. However, you should understand that taxation rules can vary between locations, so it's important to consult with a financial advisor who is familiar with Fridley, MN taxation rules before proceeding with any investment decision.
Is my Fridley variable life insurance policy considered permanent life insurance?
Variable life insurance is a type of permanent life insurance available in Fridley, MN that can offer customers greater flexibility as it allows policyholders to invest in a range of regulated investments. These investments can include stocks, bonds, and mutual funds, and the cash value can grow tax-deferred. In the event of death, the beneficiary would be paid the greater of the guaranteed death benefit or the current policy value. With permanent life insurance, the policy would remain in force as long as premiums are paid as scheduled.
Do I get dividends from my Fridley variable life insurance company?
Depending on the variable life insurance provider in Fridley, MN and the specific investments you choose, you may be eligible to receive dividends. Many variable life insurance policies offer a range of investments, including stocks, bonds, and mutual funds, which may all be entitled to dividends depending on their performance and timing. You will want to make sure that you review the details of your policy and the specific investments carefully to confirm you are eligible for dividends. If you have any questions, itβs always best to reach out to your provider for more information and to be sure.
Compare Fridley, MN 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