Compare over 37 Variable Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Houston, TX 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 Houston, TX. 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 Houston, TX.
Frequent Questions...
A variable life insurance policy in Houston, Texas typically includes three key components: an investment account, a death benefit, and cash-value life insurance. The investment account portion of a variable life insurance policy works similar to an annuity; the funds are allocated to different investment funds chosen by the customer and any gain or loss is reflected in the policyโs overall cash value. The death benefit portion of a variable life insurance policy is designed to provide a lump sum payment to the specified beneficiaries upon the policyholder's death and is generally income-tax deductible.
Are there early withdrawal penalties for variable life insurance quotes in Houston?
In Houston, TX, penalties for early withdrawal from the cash value vary depending on the policies put forth by the financing institution. Generally speaking, such early withdrawals often result in the forfeiture of dividends, the surrender of the policy and a possible withdrawal penalty fee. It is important to consult with your financial representative prior to making such a decision. Fines and terms also vary depending on the state and the cash value product so individuals should read the fine print within their policy before making any financial decisions.
With a variable life insurance policy Houston, can I decide where my premiums are invested?
In Houston, TX, variable life insurance allows you the opportunity to customize your insurance coverage. With this type of policy, you can choose where your premiums are invested from a selection of mutual funds, index funds, or stocks. The flexibility of this policy gives you the chance to create and manage a portfolio tailored to your financial goals and preferences. The combination of life insurance protection and freedom to choose how your premiums are invested can make for a powerful financial strategy.
Is there a death benefit guarantee with variable life insurance near Houston?
In Houston, TX, variable life insurance policies are available from many carriers and offer a death benefit that can provide financial security for the policyholder's dependents in the event of death. Because of the flexible nature of variable life insurance, death benefits are not guaranteed and will depend upon the total amount of premiums paid and/or value of the policy at the time of death. While the death benefit amount cannot be predicted, policyholders in Houston, TX can benefit from a range of variable life insurance products with the potential for superior returns over long-term contracts.
How does a variable life insurance quote Houston handle dividends?
In Houston, TX, dividends from variable life insurance are treated as either a return of premium or a return on investment. Most insurers will allow policyholders to use dividends to purchase additional life insurance coverage or to receive an additional cash benefit. Additionally, depending on the policy, dividends may also be put toward paying premiums, provided that the policyholder meets certain eligibility requirements. Dividends may also be used to purchase riders on the policy with certain insurance companies. In any case, policyholders should familiarize themselves with the specifics of their policy to ensure that they are making the most of their investment.
Variable life insurance may not be the ideal solution for short-term coverage needs in Houston, TX. Given the length of financial commitment, and the long-term objective of a Trusted Advisor, individuals looking for short-term coverage may benefit more from a policy that covers their specific needs. Programs such as Term Life Insurance may be a better fit in Houston, as they provide more flexibility in coverage options and donโt require long-term financial commitment. In addition, they are typically much more affordable and can be tailored to fit the coverage needs of individuals in Houston.
Can I direct specific investment strategies for variable life insurance policies near Houston?
Generally, policyholders in Houston, TX cannot dictate specific investment strategies for the cash value of their insurance policy. However, many life insurance policies offer a range of investment options that can be tailored to meet the individual's needs. Depending upon the type and size of the policy, policyholders may be able to choose from a variety of investment options and even allocate funds according to their desired strategy. It's important to note, though, that policyholders should seek guidance from a professional financial advisor before making any decisions regarding their policy.
Are management fees for variable life insurance in Houston similar to mutual funds?
Generally speaking, the management fees for variable life insurance in Houston, TX are fairly comparable to those of regular mutual funds. However, there are a few key differences, such as the fact that the fees for variable life insurance are tax-deductible, whereas mutual fund fees are not. Additionally, there often are additional charges with variable life insurance policies that are not applicable to mutual funds, such as annual or policy fees, or surcharges for mortality and expense risks. Therefore, it is advised to compare these additional fees when making an informed decision to ensure you are maximizing your investments.
Is my Houston variable life insurance policy considered permanent life insurance?
Variable life insurance is a type of permanent life insurance, and it is a great option for Houston, TX residents. With a variable life policy, the premium and death benefit are variable meaning they may change with variations in the value of underlying investments while the duration is permanent. This feature allows policyholders to benefit from movements in the market while having the security of a permanent death benefit. Ultimately, variable life insurance is great for those looking for the consistency of a permanent policy while having the flexibility of an investment component.
Can I convert from term life insurance with a Houston variable life insurance company?
In Houston, TX, you can sometimes convert your existing term life insurance to variable life insurance. However, you should contact a qualified insurance professional to discuss the specifics of converting the policy, and to determine if such a conversion is right for your individual financial needs. Generally speaking, converting to variable life insurance is beneficial when your future financial needs exceed what term life insurance can provide. Further, it is important to be aware that variable life insurance is a more complex form of life insurance that may require more active management by you, the policyholder.
Compare Houston, TX 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