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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 Houma, LA. 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
Variable Life Insurance agent
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 Houma, LA.
Frequent Questions...
Variable life insurance premiums in Houma, LA, may vary depending on the type of policies purchased and the provider chosen. With variable life insurance plans, more premium payments will result in higher death benefits, so your premium payments may not stay fixed in the long term. In addition, policyholders may be responsible for managing their own portfolio. Therefore, it's important to speak with a qualified insurance specialist in order to understand how premiums may be impacted by the policies chosen.
With variable life insurance quotes in Houma, how is the beneficiary impacted by investment performance?
Beneficiaries in the Houma, LA area are affected by the performance of their investments in many ways. A successful investment performance indicates an increase in the amount of money available to the beneficiary and measurable growth in their net worth. Poor investment performance can mean the beneficiary has less money to live off, and their net worth can decrease dramatically. It is important for beneficiaries to understand how their investments are performing, and take the necessary steps to ensure a profitable outcome.
Can I withdraw or borrow from a variable life insurance policy Houma?
Absolutely! Depending on the type of policy you have, you may be able to take money out of your variable life insurance policy via a loan or withdrawal from its cash value. Loans are generally interest-free and can be beneficial to those located in Houma, LA, as any payments made back to your policy are credited to you rather than a lending institution, resulting in an income tax saving for you. Withdrawals, on the other hand, are treated as a partial policy surrender and may be subject to taxes and/or other applicable charges.
What fees are there with variable life insurance near Houma?
The fees associated with variable life insurance in Houma, LA depend on the policy. Generally, one can expect to pay annual fees, including a mortality and expense fee, administrative fees, and an insurance fee. There are also other fees associated with variable life insurance such as investment management fees, surrender fees, and rider related fees. Additionally, individuals should be mindful that variable life insurance policies come with investment risks, including the potential loss of premiums and the risk of not reaching projected return goals.
Can I include riders in my variable life insurance quote Houma?
Yes, you can add riders to a variable life insurance policy in Houma, LA. Adding riders will provide you with additional protection and benefits for your policy. It can provide an extra layer of protection for those unexpected life events. Riders are a great way to customize a policy to best fit your individual needs. For example, some of the riders available in Houma, LA can provide coverage for long-term care, disability, or even a liquidity option. Speak with your local insurance agent to determine which rider(s) best fit your needs.
In Houma, LA, there are some limitations on fund transfers within the policy. To begin, it is important to note that only members in good standing are permitted to make these types of transfers. Additionally, fund transfers can only be transmitted to domestic accounts, and any third-party foreign payments are prohibited. Furthermore, fund transfers are also subject to daily, weekly, or monthly maximum limits set by the party initiating the transaction. Lastly, to reduce the risk of fraudulent activity, fund transfers should not be completed without proper identification.
Do variable life insurance policies near Houma provide guarantees on returns?
Variable life insurance in Houma, LA can offer investors an opportunity to benefit from changing market conditions and take advantage of potential growth opportunities. However, due to the nature of the product, there are no guarantees with respect to any investment returns. If you're considering investing in variable life insurance, it's best to consult an experienced financial advisor, who can help you understand the risks and potential rewards associated with the product.
How can I monitor performance of my variable life insurance in Houma?
In Houma, LA, one way to track the investment performance of your variable life insurance is to speak with an experienced financial advisor. They can review your policy and advise on the performance of its various investments. In addition, the insurer who provides the policy should have information available on their website regarding returns and investments. The advisor or insurer could also provide you with third-party resources, such as ratings services, that can help you strong-arm the performance of your investments. Regularly monitoring and conducting a quick performance check is the best way to ensure your policy investments are meeting expectations.
Can I use my Houma variable life insurance policy for retirement savings?
In Houma, LA, variable life insurance can be utilized as a retirement savings vehicle. This type of insurance provides policyholders with the potential to earn Hicks and tax-deferred cash value growth inside the policy. Generally, the accrued cash value can be taken out as a loan and used for retirement savings goals. Depending on the policyholder's desired level of risk, they can select from a range of available investment options. Variable life insurance also offers an attractive death benefit if the policyholder passes away during their retirement years.
Can I convert from term life insurance with a Houma variable life insurance company?
Yes, you may be able to convert your term life insurance to variable life insurance in Houma, LA. Depending on the policies offered by your life insurance carrier, their terms, and the terms of your current policy, you may be able to convert to variable life without having to take a new medical exam. It is important to contact your life insurance company, or the certified life insurance advisor you bought your policy from, to discuss the potential of converting your coverage. Variable life insurance offers many more options when it comes to investment management and financial strategies than traditional life insurance policies.
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