Compare over 37 Variable Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Horsham, PA 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 Horsham, PA. 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 Horsham, PA.
Frequent Questions...
A variable life insurance policy in Horsham, PA includes three primary components: investment growth, death benefit protection, and increasing cash value. Investment growth provides access to fund selection flexibility, providing the opportunity to actively manage a portfolio according to your individual goals and objectives. Death benefit protection guarantees a death benefit to your beneficiaries that can increase with contributions and investment earnings. Increasing cash value allows for a range of cash value benefits, including the ability to borrow against the policy and various tax advantages.
Are there early withdrawal penalties for variable life insurance quotes in Horsham?
Yes, there are penalties for early withdrawal from the cash value in Horsham, PA. Depending on the type of policy you have, these penalties can include deductions to your loan amount, interest rate increases, reduced cash withdrawals, and longer payback periods. Along with this, you may also be charged withdrawal fees and taxes associated with the withdrawal of the money. To avoid such penalties, it is recommended that you contact your insurance provider to understand the stipulations set forth in your policy.
What are the tax aspects of a variable life insurance policy Horsham?
The tax implications of variable life insurance depend on the circumstances. Generally speaking, dividends and capital gains received from investing the policy’s cash value are subject to taxation in Horsham, PA, as with any income. Additionally, any withdrawals from the policy’s cash value may be subjected to ordinary income taxes if the withdrawn amount exceeds your premiums paid. It's important to remember that life insurance policies and the variables associated with them can be complicated, so it's best to seek out a qualified tax professional in the Horsham, PA area for more specific tax advice on your policy.
How often can I modify my investments in variable life insurance near Horsham?
Generally speaking, when it comes to investing in variable life insurance plans around Horsham, PA you can switch your choices whenever you like as it is a flexible and beneficial option. Some policies, however, may have a limit on how often you can make changes, but this will vary depending on the specific policy provider. Speak with an experienced financial adviser in Horsham to discover the exact rules you need to follow for the policy you choose.
How does a variable life insurance quote Horsham handle dividends?
Dividends paid out on variable life insurance policies are dependent on the performance of the underlying investments chosen in Horsham, PA. Any dividends you receive from your policy are usually treated as additional premium payments and can be used to increase the value of your death benefit, make policy maintenance payments, or to purchase additional insurance coverage. To maximize your payments, make sure to compare different insurance policies available to you in Horsham, PA before signing up for a plan that will not pay high enough dividends for your needs.
In Horsham, Pennsylvania, the legal age requirement to purchase variable life insurance is 18 years old, according to both state and federal government regulations. Variable life insurance policies come with a range of investments you can choose to include in your policy in order to build cash value. When it comes to age restrictions, younger buyers may have a harder time qualifying for variable life insurance due to restrictions enforced by providers, with many insurers blocking the sale to those aged 75 or older.
Do variable life insurance policies near Horsham provide guarantees on returns?
Variable life insurance policies, available in Horsham, PA, do not guarantee investment returns, as they are subject to fluctuation based on the performance of the underlying investments. The policyholder assumes many investment risks including stock market risk, interest rate risk, and inflation risk. However, these policies may offer certain guarantees. For instance, they may be able to guarantee a return of principal with a non-guaranteed cash surrender value. Additional features, such as no-lapse riders, also may provide protection against investment losses and help ensure that the policy will remain in force.
Does all variable life insurance in Horsham offer the same investments?
No, not all variable life insurance policies offer the same investment options. Based on the specific policy, companies located in Horsham, PA may offer a slightly different range of investments. For example, they may provide particular stocks, mutual funds, and even real estate investment trusts based on the particular insurer's offered portfolio. Therefore, it is wise for individuals looking for a variable life insurance policy to thoroughly research the investment options available for a specific policy before making a decision.
How liquid is the cash value of my Horsham variable life insurance policy?
The cash value of a variable life insurance policy is dependent on the premiums paid in and the performance of the underlying investments. Generally speaking, in Horsham, Pennsylvania, the cash value in a variable life insurance policy is liquid, meaning that policyholders can access and use the money with relative ease. However, it is important to remember that the cash value is subject to fees and restrictions, so policyholders should speak with their financial advisors before planning to use the funds.
What's the typical duration of terms with a Horsham variable life insurance company?
In Horsham, PA, the typical duration of a variable life insurance policy will depend on an individual's specific needs. These policies are typically flexible and can be tailored to individual needs, with periods ranging from a few years up to entire lifetimes. For example, some individuals only opt for coverage until their retirement age, while others look for long-term coverage to protect their families throughout their lifetimes. Generally, the cost of coverage tends to decline as the duration of the policy increases. Ultimately, the best insurance policy duration will depend on the specific goals and circumstances of the individual.
Compare Horsham, PA 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