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With PolicyHub you get to compare over 37 Helena, MT 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.
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 Helena, MT. 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
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Mark Sidway
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Mark Sidway is a Variable Life Insurance agent licensed in your state.
Cale Reeves
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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 Helena, MT.
Frequent Questions...
Variable life insurance is an insurance policy that allows Helena, MT residents to choose how their premium payments are invested and to unlock additional value and potential growth from those investments. With variable life insurance, there is a chance of increasing cash value which could come in handy for Helena, MT residents thanks to the potential for a more cost-effective solution. Furthermore, variable life insurance allows policyholders to access their premiums through loans and withdrawals in certain scenarios, giving Helena, MT residents more financial flexibility.
Do variable life insurance quotes in Helena come with a cash surrender value?
Yes, variable life insurance does have a cash surrender value in Helena, MT. The amount available from the surrender of a variable life insurance policy will depend on the policy's premiums, the amount of cash value built up, and policy provisions. Everyone's financial situation is unique and before making a decision to surrender their variable life insurance policy, Helena residents should seek professional financial advice to ensure the decision they make is the most suitable for their own individual circumstances. A financial advisor can help identify possible options and potential impacts of surrendering a variable life insurance policy.
What potential risks are there with a variable life insurance policy Helena?
In Helena, MT, variable life insurance can offer Helena residents attractive long-term benefits, such as potential tax advantages, and investment gains. However, there are risks associated with variable life insurance, such as the potential to lose principal if the investments are not successful, and the possibility of outliving the policy as the value of the investments may not keep up with inflation. It is important to evaluate the potential risks and make educated decisions when considering variable life insurance for Helena residents.
How transparent is the investment performance of variable life insurance near Helena?
In Helena, MT, variable life insurance investments offer exceptional transparency in terms of performance. Investors receive regular updates about their portfolio values and performance, including customized reports with details about policy and fund performance, so individuals can track their investments and make informed decisions. Additionally, the insurance company should provide access to online resources and tools to help clients review and monitor their portfolios, and become more comfortable with the performance of their investments.
Can I include riders in my variable life insurance quote Helena?
Yes, you can add riders to your variable life insurance policy, and depending on your policy and location, some specific riders might be available to you. If you live in Helena, MT, many policies include the terminal illness rider, the waiver of premium rider, and the accelerated death benefit rider. These riders provide additional benefits that may be beneficial to you and your family depending on your current lifestyle and economic situation. Speak to your insurance provider to learn more about the riders available to you and the cost associated with them.
There are some guidelines to follow when transferring funds within the Helena, MT policy, such as timing requirements or dollar limits. Depending on the type of transaction, there may be a delay before the funds become available, or a limit as to the amount of funds that can be sent. Furthermore, the recipient of the funds may have restrictions on if/when the funds are usable. We suggest speaking with one of our representatives to make sure the transfer is within the policy guidelines.
Do variable life insurance policies near Helena provide guarantees on returns?
Variable life insurance is a beneficial option for many people in Helena, MT, as it is designed to provide more flexibility than other forms of life insurance. However, it is important to note that variable life insurance does not guarantee any returns on investments, since these returns depend on the performance of the underlying investments. This means that there is a risk of loss associated with the policy, so it is important for Helena residents to be aware of the associated risks and to weigh these risks against the potential benefits of variable life insurance.
Can I change investment options for variable life insurance in Helena without tax effects?
Absolutely! With the Montana Investment Option Program, Helena residents can switch between investment options without facing any tax implications. The Montana Investment Option Program is an ACH transfer program for state employees with a mission to provide a safe and secure suite of investment options that aim to generate higher returns than traditional savings vehicles. The program also offers automatic contributions and redemptions, and no age or income limitations. In addition, the program works to ensure no capital gains for transfers between options and restricts individual investments to $25,000 or less.
Is the cash value in my Helena variable life insurance policy safe from creditors?
In Helena, MT, the cash value in variable life insurance is protected from creditors regardless of the beneficiary's situation or legal issues. Montana Attorney General Austin Knudsen issued a Notice to Owners of Unpaid Accounts in 2017 that all funds in contractual insurance policies, including variable life insurance, are exempt from attachment and execution under Montana State Law. Additionally, state and federal bankruptcy protection laws protect the cash value of the policy, allowing it to remain solely in the possession of the named policyholder.
Can I convert from term life insurance with a Helena variable life insurance company?
Yes, Helena, MT individuals with term life insurance can in fact convert their policies to variable life insurance. While the benefits of variable life insurance are greater, they also come with added risk as the cash value fluctuates based on market performance. Before making a decision to convert, it is important to consider one's individual goals, financial situation and risk tolerance level. A financial advisor in Helena can guide you through the decision-making process and help decide if converting from a term to a variable life insurance is the right choice for you and your family.
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