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With PolicyHub you get to compare over 37 Irvine, CA 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.
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With PolicyHub getting started is easy. Compare all the Variable Life Insurance rates from all the providers in Irvine, CA. 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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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 Irvine, CA.
Frequent Questions...
Variable life insurance allows policyholders in Irvine, CA to customize their coverage with the option to invest in subaccounts, similar to mutual funds, stocks and bonds. This makes it different from other life insurance policies, which typically provide a fixed death benefit and don't offer the ability to invest and build cash value. Variable life insurance offers a flexible approach to life insurance by not only allowing policyholders to customize their coverage, but also allowing them to potentially increase the death benefit by investing some of their premiums.
With variable life insurance quotes in Irvine, how is the beneficiary impacted by investment performance?
Investing in the Irvine, CA area can be greatly beneficial to the beneficiary, depending on the investment performance. A well-performing investment could result in the increased appreciation of its value, increasing the beneficiary's asset and wealth. On the other hand, a poorly performing investment has the potential to leave the beneficiary with a lower return on their investment, if any at all. For this reason, it is important for the beneficiary to assess any potential investment carefully and do their due diligence to determine the potential risk and rewards before investing.
How does the cash value work for a variable life insurance policy Irvine?
The cash value component of variable life insurance in Irvine, CA works best for those looking to have the flexibility to manage their own investments for their financial future. Variable life insurance policies provide access to different types of investments, which allows the policyholder to tailor how their policy works for them and their specific goals. The cash value of the policy grows as the investments in it grow, and the policyholder can use the cash value to help pay premiums, or they can use it as a loan or withdrawal.
Is there a death benefit guarantee with variable life insurance near Irvine?
While variable life insurance policies typically don't offer a guaranteed death benefit, in certain cases a death benefit can be created. Irvine residents should speak with a qualified insurance agent to get a full understanding of their options and consider using a spousal rider which can guarantee a death benefit in some cases. It's important to review the terms and conditions of the policy carefully, compare offerings of several insurers, and understand the associated fees when evaluating variable life insurance in Irvine, CA.
Can I include riders in my variable life insurance quote Irvine?
Yes, you can add riders to your variable life insurance policy if you are residing in Irvine, California. In fact, some of the leading insurance providers in Irvine offer riders to their variable life insurance policies that can help you receive discounts on your premiums, access additional financial services, and even extend coverage beyond the base coverage you've already acquired. The availability of riders applicable to your policy may also depend on the insurer you custodians, so you should contact relevant insurer's customer service department to discuss the specifics of the riders available.
In Irvine, CA, different financial institutions may have different limitations on fund transfers. Generally speaking, bank and credit union policies may include limitations on the frequency of transfers, maximum amounts allowed per day, and restrictions on certain types of accounts that may be used for transfer. However, some policy changes will be location-specific; depending on the institution, there may be additional restrictions related to geographic areas or other special conditions of the area. To review the applicable limitations for your particular institution, please contact a representative directly.
Can I upgrade variable life insurance policies near Irvine to another policy type?
Yes, an upgrade to a different type of policy is possible for those living in Irvine, CA. One option is to talk to a life insurance professional to review the available policies and find what fits your individual needs and budget. They can advise you on the various options and their benefits, such as permanent life insurance, which offers coverage for life. Understanding what life insurance offers and what you're looking for can help you make an informed decision on the right coverage for your family. Initially, it may be best to update your current variable life policy before considering another type of policy.
How regularly should I check my variable life insurance in Irvine?
Depending on your individual circumstances, it's generally recommended to review your variable life insurance policy on an annual basis. In particular, if you have recently moved to Irvine, CA or experienced any life changes, such as marriage or the birth of a child, you should review your policy and any associated investments to make sure they are correctly optimized for your current situation. Additionally, if you have experienced any changes in your income or financial status, it's important to adjust your policy in order to maximize your financial security.
Can I use my Irvine variable life insurance policy for retirement savings?
In Irvine, CA, variable life insurance can be used as a retirement savings vehicle in certain circumstances. Variable life insurance policies generally offer tax-deferred growth potential, potential for additional cash value, and a death benefit. This can be a good option for those living in Irvine because California has no state income tax on the gains earned from such policies. However, you should be aware that investing in a variable life insurance policy involves risk, and if you don't properly manage the account, you might suffer losses. It's important to do your research and talk to a financial advisor before making any decisions.
How do loans affect death benefits with my Irvine variable life insurance company?
Policy loans from variable life insurance can reduce the death benefit of an individual residing in Irvine, CA. When loans are taken out against the policy's cash value, there will be a decrease in the death benefit since the accumulated interest will reduce the total coverage amount. It is important to note that policy loans must be paid back in order to restore the death benefit to its original level, otherwise, the reduced death benefit will be paid out upon the policyholder's death.
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