Compare over 37 Variable Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Heber, UT 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 Heber, UT. 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 Heber, UT.
Frequent Questions...
Variable life insurance is an insurance product that gives the policyholder the flexibility to allocate funds among different investments, within certain restrictions. Heber, UT residents choosing to purchase variable life insurance may appreciate the flexibility the product provides and it's ability to help them plan for their long-term goals. Furthermore, by investing part of their life insurance premiums, they can also have the potential to increase the value of their death benefit. Variable life insurance also offers living benefits through the ability to access a portion of the policy's cash value during times of need.
Can I use my variable life insurance quotes in Heber as collateral?
In Heber, UT it is possible to use variable life insurance as collateral when applying for a loan. However, since variable life policies have fluctuating cash values and their potential to become worth less over time, lenders may be more likely to approve the loan if some other type of collateral is offered. It's important to be aware of this fact, as failing to make regular premium payments or experiencing drops in value of the variable policy could put the borrower at risk of losing their collateral.
What potential risks are there with a variable life insurance policy Heber?
In Heber, UT, one of the potential risks associated with variable life insurance is the investment risk associated with the life insurance policy. The policyholder has the ability to choose how their insurance funds are invested, and since at least part of the policy must be invested into securities like stocks or bonds, there is potential for a loss of principal. In addition, the insurance company typically charges administrative fees, which can increase the policyholder’s overall costs, further reducing potential returns on investments.
Is there a death benefit guarantee with variable life insurance near Heber?
No, there is no guaranteed death benefit with variable life insurance; however, Heber, UT residents are able to select from a variety of life insurance products that can provide death benefit protection. Choosing the best life insurance product to suit each individual's needs depends on several factors, including financial requirements and future needs. People generally choose life insurance to protect their families in the event of their death; so it is important to research thoroughly and compare products to find the best option. An insurance specialist can help provide guidance and answer any questions about life insurance products available in Heber, UT.
Can I include riders in my variable life insurance quote Heber?
Yes, you can add riders to your variable life insurance policy in Heber, UT. Depending on your particular policy, you can add various riders such as an accelerated death benefit, disability waiver of premium, or long-term care rider to name a few. Keep in mind that riders are optional and can be added at your expense as they will increase your premium amount. Your agent will be able to inform you of all the available options for your specific policy.
Heber, UT has a comprehensive policy governing fund transfers which includes clear limitations in order to protect customers. These limitations include the maximum amount of funds transferable at any one time, the types of currencies that can be used, and the permitted methods of making the transfer. Furthermore, the policy stipulates that any transfer must be initiated in accordance with applicable laws and regulations, and that no transfer will be allowed that would interfere with the observance of any law, fiduciary obligation, or court order.
Can I direct specific investment strategies for variable life insurance policies near Heber?
The policyholder in Heber, UT should consult with their independent financial advisor to determine what investment strategies may be available for their cash value. While the policyholder can determine specific strategies for their cash value, local investment advisors could advise them on ways to best ensure that their investment strategies are unique and tailored to their specific financial goals. Ultimately, these strategies should be reviewed and discussed with the policyholder's financial advisor to ensure the best possible outcome.
Are management fees for variable life insurance in Heber similar to mutual funds?
In Heber, UT, management fees for variable life insurance tend to vary. Generally, these fees are similar to those of regular mutual funds, but there may be certain factors or potential add-ons that can adjust the total cost. It's important to review the details of your policy carefully prior to signing up to understand any charges you may incur. As with any insurance policy, doing your research and understanding all possible fees is essential. Additionally, it's a good idea to talk to a trusted advisor to gain a better comprehend of the costs associated with variable life insurance.
Is my Heber variable life insurance policy considered permanent life insurance?
Variable life insurance is a particular type of permanent life insurance that provides policyholders with the ability to invest within their life insurance policy. In Heber, UT, variable life insurance is an attractive option for those wishing to have guarantees that their coverage will remain in effect as long as premiums are paid, as the policy accumulates cash value over time. As well, policyholders can use the cash value to help supplement their retirement income, as long as the funds are withdrawn properly to avoid taxation.
How do loans affect death benefits with my Heber variable life insurance company?
Policy loans from variable life insurance can impact the death benefit associated with the policy, specifically for those living in Heber, Utah. Depending on the amount of the loan taken and how the loan is paid back, the total death benefit received by beneficiaries could be lowered. Taking too many policy loans can potentially reduce the total amount that can be passed on. Generally, life insurance benefits are offered to help cover financial responsibilities, such as final medical expenses or funeral costs, in the event of a death.
Compare Heber, UT 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