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Compare over 37 Variable Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Golden Glades, FL Variable Life Insurance policy providers in as little as 15 minutes. Save time. Save big. Get started now.
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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
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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 Golden Glades, FL. 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
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 Golden Glades, FL.
Frequent Questions...
Residents of Golden Glades, FL in search of customizable life insurance should consider variable life insurance. Variable life insurance policies offer flexible coverage opportunities, allowing customers to tailor their policy to fit their budget and goals. By investing in a variable life policy, Golden Glades residents can choose from a wide variety of investment options, grow cash value and take more control over their insurance policy. Furthermore, variable life insurance offers death benefit protection and the potential to offer tax-deferred growth of the saved investments.
Are there early withdrawal penalties for variable life insurance quotes in Golden Glades?
Yes, there are potential penalties for early withdrawal from the cash value at Golden Glades, FL. Financial institutions generally assign penalties, such as surrender charges and tax costs, when funds are withdrawn prior to the policy’s maturity date. Since every cash value policy issued in Golden Glades is individual, customers should review their particular policy details and contact their representatives to find out the specifics of any early withdrawal costs or penalties. Moreover, Golden Glades offers customers the opportunity to identify the scenarios that would allow for early withdrawal without incurring any penalties at all.
How does the cash value work for a variable life insurance policy Golden Glades?
Variable life insurance, available in Golden Glades, FL, is a type of permanent life insurance that comes with an additional cash value component. This component allows policyholders to save money over time, as premiums are invested into a variety of subaccounts. The growth rate of the cash value is determined by the performance of the chosen subaccounts, and can be withdrawn to help with tax-advantaged distributions or used to pay future policy premiums.
What fees are there with variable life insurance near Golden Glades?
The fees associated with variable life insurance in Golden Glades, FL depend on a variety of factors, such as age, insurance type, gender, and health. Generally, you can expect to pay premiums for the policy, administration fees, and any applicable state or local taxes. Additionally, you may be responsible for additional costs associated with investing in the variable life insurance policy such as account service, exchange, fund and other fees. It is important to speak with your insurance provider to determine all fees associated with the policy before agreeing to enroll.
What are the surrender fees for a variable life insurance quote Golden Glades?
The surrender charges for variable life insurance policies may vary depending on the insurer. In Golden Glades, FL, the insurance provider, Pristine Insurance, may have different surrender charges for their variable life insurance policies compared to other providers in the area. Surrender charges tend to decrease over time as the policy matures, so it’s important to contact your insurance agent or provider for the most up-to-date information on charges in your area.
In Golden Glades, FL, the minimum age requirement for purchasing a variable life insurance policy is typically 18 to 21 years old, depending on the insurer and policy type. Adhering to state and federal regulations, many insurance companies are not allowed to issue policies to applicants younger than 18 years of age in this area. Furthermore, applicants are typically required to demonstrate financial responsibility by being able to show sufficient income or assets before they can purchase a variable life insurance policy.
Do variable life insurance policies near Golden Glades provide guarantees on returns?
Variable Life Insurance offered by Golden Glades, FL provides policy holders with access to a variety of investment states, including stocks, bonds, mutual funds, and other pooled investments. However, because Golden Glades, FL Variable Life Insurance policies involve the risks associated with investing, the returns are not guaranteed. Golden Glades, FL Variable Life Insurance policies offer policy holders the potential for profitable returns, however, there are no guarantees of performance or value. Consequently, variable life policy holders must accept the risk that their investments may lose value as well as the potential to gain value.
How regularly should I check my variable life insurance in Golden Glades?
It is important to review your variable life insurance policy at least once a year to ensure that it is meeting your needs and those of your beneficiaries in Golden Glades, FL. Many policies contain provisions that may require changes in coverage and/or beneficiary designations based on changes in your lifestyle or financial situation. It is especially important to review any changes in domestic arrangements such as marriage, divorce, or the birth of a child.
Can I use my Golden Glades variable life insurance policy for retirement savings?
Variable life insurance can indeed be used as a retirement savings vehicle in the Golden Glades, FL area. The flexible premiums of variable life insurance allow policyholders to allocate funds in different sub-accounts with assured financial returns. The policyholder then has the option to use these returns to supplement their retirement income. Variable life insurance also provides a death benefit to the policyholders beneficiaries, providing a form of financial security in old age. Additionally, a variable life insurance policy offers tax-deferred savings throughout the years leading up to retirement.
Do I get dividends from my Golden Glades variable life insurance company?
At Golden Glades Financial, located in Golden Glades, FL, we understand that creating a portfolio within your variable life insurance plan is key to secure your financial future. Many individuals are interested in learning whether or not they will receive dividends from their investments within a variable life insurance plan. We are happy to inform our clients that qualified policy dividends are tax-deferred and may be eligible for a preferred status, helping you maximize the returns from your investments.
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