Compare over 37 Variable Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Idaho Falls, ID 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 Idaho Falls, ID. 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 Idaho Falls, ID.
Frequent Questions...
Those living in Idaho Falls, Idaho who are looking for insurance with flexible death benefit options and tax advantages should consider purchasing variable life insurance. Variable life insurance policies can provide financial security and peace of mind for their families in the event of an untimely death. In addition, the premiums paid can be invested in a selection of investments available with the policy, providing the potential for growth, as well as the ability to access liquidity should the need arise. Furthermore, premiums are typically tax-deductible, and policy holders can benefit from tax-deferred growth within the policy.
Do variable life insurance quotes in Idaho Falls come with a cash surrender value?
In Idaho Falls, variable life insurance policies do have a cash surrender value, although whether or not an individual policyholder will be able to receive it depends on the specific policy and its terms. Policyholders in Idaho Falls who wish to access this value must contact the insurer associated with the policy to see if they are eligible. Additionally, the amount of cash surrender value you can receive depends on how long the policy has been active, the current market, and other factors.
Can I withdraw or borrow from a variable life insurance policy Idaho Falls?
Cash value is a fundamental component of a variable life insurance policy, and depending on the policy and the policyholder's situation, it may be available for withdrawal or borrowing in Idaho Falls, ID. Before making any decisions, however, it is important to understand the associated risks of withdrawing or borrowing from the cash value account—especially if the policy has been in effect for a period of time. You should also be aware that depending on the size of your policy, carrying a loan balance may reduce the policy's death benefit and increase your premium payments.
Is there a death benefit guarantee with variable life insurance near Idaho Falls?
Idaho Falls, ID based variable life insurance policies do not offer a guaranteed death benefit; however, a policyholder may still realize benefits. When the policyholder pays their premiums on time, the death benefit they have chosen could be increased with interest each year. This additional cash value can be used for purposes such as the policyowner's retirement or for the beneficiaries if applicable. Aside from the death benefit, many variable life insurance policies also provide tax advantages or access to loanable cash for the policyholder.
Is there a minimum guaranteed return with a variable life insurance quote Idaho Falls?
Variable life insurance can be a great investment option for Idaho Falls, ID residents. While there is no guaranteed return with this type of life insurance, the potential upside is that you can generate positive returns in addition to the death benefit you would receive should you pass away within the term of coverage. This option also features tax-deferred growth potential, and you have the flexibility to change your investments to fit your changing financial goals. Along with the minimum death benefits of $50,000 or more, depending on the policy, you may experience growth in your cash value over time.
Variable life insurance offers Idaho Falls, ID residents the opportunity to protect their family’s future and create a large tax-deferred savings plan. This type of policy provides access to the financial markets and potential growth to your savings. Many policies also provide a death benefit, guaranteed cash values, and flexible premium payments. Variable life insurance can provide a way to create wealth and protect your family from the unexpected. With this type of policy, beneficiaries are guaranteed a variable amount of the death benefit, determined by the policyholder’s performance of the underlying investments.
How flexible are premium payments for variable life insurance policies near Idaho Falls?
In Idaho Falls, ID, variable life insurance premiums are highly flexible. Customers have the ability to adjust their premium amount, frequency, and duration based on their financial needs. Premium payments can easily be increased to ensure a higher death benefit or customized to suit an individual's budget and lifestyle. For customers who prefer to make one-time payments, variable life insurance also allows for single lump-sum premium payments. From minimal investments, to locked-in payments, to ensuring death benefit payouts, variable life insurance in Idaho Falls, ID offers tailored solutions to customers.
Are management fees for variable life insurance in Idaho Falls similar to mutual funds?
In Idaho Falls, ID, variable life insurance can offer comparable management fees to regular mutual funds. However, the comparison of expenses must take other factors into consideration, such as the cost of insurance, liquidity, fees for staying invested, and the potential for earning returns. Those looking for the lowest fees should review the options available to them and weigh all the variables before securing a policy. Ultimately, only through careful analysis and comparison can one make the best decision for their individual situation.
Is my Idaho Falls variable life insurance policy considered permanent life insurance?
Variable life insurance is a type of permanent life insurance that can provide flexibility and provide financial security in the Idaho Falls area. It is an insurance product that offers both a death benefit and a cash value component. The cash value portion of the policy grows based on the performance of separate accountsNamed variable accounts, that are chosen by the policyholder. The performance of the chosen underlying portfolios, and the death benefit, will be impacted by the individual's financial goals and market conditions.
Does my Idaho Falls variable life insurance company offer a grace period for premium payments?
In Idaho Falls, ID, Variable Life Insurance carriers may offer a grace period for premium payments. These grace periods vary in length and may extend up to 30 days or even more depending on the policy. If you're worried about not making the premium payment in time, it's best to check with your life insurance carrier to determine what grace period, if any, they offer. Additionally, if you cannot make a payment by the due date, it's best to call your insurance carrier right away to discuss payment arrangements or any other options that may be available.
Compare Idaho Falls, ID 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