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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 Hallandale Beach, FL 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 Hallandale Beach, 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 Hallandale Beach, FL.
Frequent Questions...
Hallandale Beach, FL is home to many top-rated variable life insurance policies. These policies all share several primary components that make them a valuable option for life insurance policyholders. These components include flexible premiums, death benefits, and the ability to adjust the cash value of the policy as needed. Additionally, these policies also have an investment feature that allows policyholders to choose from a variety of investment options such as stocks, bonds, and annuities, so they can receive returns on their policy’s cash value.
Do variable life insurance quotes in Hallandale Beach come with a cash surrender value?
Variable life insurance in Hallandale Beach, FL does have a cash surrender value, although it depends on the specific features of the policy. Generally, the amount of cash surrender value offered is based on how much the policy has accrued in cash value, the amount paid out in dividends, and the length of time the policy has been in force. In most cases, this value will be less than the amount of premiums paid by the policyholder.
Can I withdraw or borrow from a variable life insurance policy Hallandale Beach?
In Hallandale Beach, FL, there are many options available for withdrawing or borrowing from the cash value of a variable life insurance policy. While it is possible to borrow from the cash value of a life insurance policy, it is important to understand the tax implications and the added interest that would be tacked on to the loan. Similarly, if you are considering withdrawing money outright from the life insurance policy, you may be subject to taxes and other fees. Additionally, it can be beneficial to speak with a life insurance advisor to determine the best course of action for your particular situation.
Do I need to understand investments for variable life insurance near Hallandale Beach?
When purchasing variable life insurance in Hallandale Beach, FL, it is not required to be investment-savvy. However, taking the time to learn about the various investment and financial options available to you will be beneficial in the long run. Seeking the counsel of a financial professional can help you make informed decisions about how to manage and invest your life insurance policy. Ultimately, depending on the type of policy you choose, you may have control over where and how your money is invested, and understanding the various options before entering into any agreement can be extremely beneficial.
What are the surrender fees for a variable life insurance quote Hallandale Beach?
Surrender charges for variable life insurance can vary depending on the carrier, policy design, and a variety of other factors. In Hallandale Beach, FL, surrender charges for variable life insurance may include flat surrender fees, withdrawal fees, and early termination fees. The amount and duration of the surrender charge will depend on the terms and conditions of the policy and which insurance company issues the policy. It is important to know what surrender charges you may incur when shopping for variable life insurance in Hallandale Beach, FL, as these charges can have a significant impact on the total cost of the policy.
In Hallandale Beach, FL, the death benefit from an investment typically varies depending on its performance. On one hand, if an investment is performing well, the death benefit payout may be increased. On the other hand, if the investment is not performing as expected, the death benefit may be lowered, since the principal capital investment will not have been performing as hoped. Regardless of the performance of the investment, it is important to arrange for adequate life insurance coverage to ensure the death benefit is available during unforeseen circumstances.
Can I direct specific investment strategies for variable life insurance policies near Hallandale Beach?
In Hallandale Beach, FL, the policyholder can work with the financial adviser to make investment decisions about the cash value of their policy. It is ultimately up to the policyholder to decide their preferred investment strategies, but the financial adviser is an expert resource who can help provide advice and guidance. The adviser can provide insight on the most applicable policies and investments for the policyholder’s needs in the Hallandale Beach, FL area. The policyholder should always remember to assess the risks versus rewards when making those decisions and feel fully comfortable with the decisions they make.
Does all variable life insurance in Hallandale Beach offer the same investments?
No, all variable life insurance policies do not offer the same investment options. This is because the types of investments available vary by insurer and can even depend on the individual’s location. In Hallandale Beach, FL, for instance, some insurance providers offer investments options such as individual stocks, corporate bonds, mutual funds, exchange-traded funds, as well as a variety of other financial products. The particular investments available will depend on the insurance provider and the individual policy chosen.
Can I use my Hallandale Beach variable life insurance policy for retirement savings?
Yes, variable life insurance can be used as a retirement savings vehicle in Hallandale Beach, FL. Variable life insurance policies build cash value that can be used in retirement. Premiums paid into a variable life insurance policy don't just provide death benefits like a traditional life insurance policy--they grow tax-deferred cash value that can be accessed during retirement. Withdrawals and loans from variable life insurance policies are taxed according to the same rules governing qualified retirement accounts such as 401(k) plans.
Does my Hallandale Beach variable life insurance company offer a grace period for premium payments?
Residents of Hallandale Beach, FL may have a grace period for premium payments in variable life insurance, depending on the terms of their particular policy. Late payment of premiums could result in the policy either lapsing or having coverage reduced. It is generally recommended that policyholders contact their insurance company directly if they are unable to make a payment by the due date. The company may be able to provide payment options, such as extending the due date or working out a payment plan. Knowing the terms of one's policy is also critical.
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