Compare over 37 Variable Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Jennings, MO 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 Jennings, MO. 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 Jennings, MO.
Frequent Questions...
Those living in Jennings, MO who are seeking an investment option that has potential growth and a death benefit that could be used as income replacement should consider purchasing variable life insurance. Variable life insurance plans offer the policyholder the flexibility to choose investments based on their risk tolerance that have the potential to accumulate cash value while also providing tax advantages. Additionally, the policyholder has the flexibility to adjust their premium payments and death benefits, depending on their changing needs and goals. This makes it an attractive option for those seeking an investment with potential growth and a reliable death benefit.
Are there early withdrawal penalties for variable life insurance quotes in Jennings?
In Jennings, MO, there are financial penalties for early withdrawal from a cash value. Depending on the type of account, you may incur service fees, pay reduced interest rates on future contributions, incur taxes, or all of the above. For example, if you have an annuity, you'll generally pay an early withdrawal penalty of up to 10% of the funds withdrawn. Additionally, amounts withdrawn will become taxable income which can leave you owing additional taxes at the end of the year.
How does the cash value work for a variable life insurance policy Jennings?
Variable Life insurance in Jennings, MO has a cash value component which allows policyholders to save money on a tax-deferred basis. The money held in the cash value account is able to be used for any variety of reasons, including education, retirement, or any other personal need. The amount of money accumulated in the cash value account depends on the type of Variable Life insurance policy purchased and the amount of premium paid. The cash value account is also a type of 'living benefit' since the cash value can be borrowed against in the future to pay premiums.
What fees are there with variable life insurance near Jennings?
The fees associated with variable life insurance in Jennings, Missouri can vary depending on the policy that you select and the coverage amount. However, to give you an idea, typically policyholders are subject to a policy administration fee as well as an insurance charge to cover the cost of death benefits. Depending on the insurance provider, there may be additional fees for services like personalized advice, disability rider coverage and more. It's best to review your policy documents carefully and speak to your insurance professional to make sure you understand all associated fees.
Can I include riders in my variable life insurance quote Jennings?
Yes, adding riders to your variable life insurance policy may be a good option for your coverage needs in Jennings, MO. While the policyโs core coverage remains the same, adding riders can provide additional benefits such as the ability to increase your death benefit or develop a long-term care plan. Your independent agent can review your needs and provide you with the riders that would best suit your situation. For instance, if you need to maintain a certain level of income, some riders may provide a benefit in the event of a disability.
Variable life insurance may be suitable for short-term coverage needs in Jennings, MO, depending on the policyholder's circumstances. It provides flexibility to adjust premiums and death benefits according to the insured's shifting needs. With variable life insurance, policyholders may invest portions of their premiums, depending on their risk tolerance. These investments may have the potential to generate earnings, however the policyholder must remember that there is no guarantee of the rate of return.
Do variable life insurance policies near Jennings provide guarantees on returns?
Variable life insurance offered in Jennings, MO, provides policyholders with investment options, but there are no guarantees regarding the return on investment. As a policyholder, you have the opportunity to choose your own investments, such as stocks, bonds, and mutual funds, and the returns you earn will depend on those investment choices and on market conditions. It is possible to lose some or all of your premiums as the stock market fluctuates. It is important to remember that variable life insurance investments do not guarantee any specific results.
How can I monitor performance of my variable life insurance in Jennings?
To obtain detailed information on the investment performance of your variable life insurance in Jennings, Missouri, you will need to contact the financial institution that issued the policy. Your insurance company or agent will be able to provide you with the most up-to-date returns and financial records for your investment. Once you have this information in hand, you will be able to compare the performance of your account to benchmarks like the S&P 500 or NASDAQ so that you can get a sense of how it is doing relative to the overall market trends.
Can I use my Jennings variable life insurance policy for retirement savings?
Yes, variable life insurance can serve as a retirement savings vehicle for many Jennings, MO residents. The policy's underlying variable investment account gives it major advantages, such as allowing policyholders to choose from a range of potential investment options and alter the mix of investments within the account. Furthermore, death benefit options can make variable life insurance a valuable asset to include in a retirement plan, depending on the individual's needs, as the policy can provide a financial benefit to loved ones in the event of the policyholder's untimely death.
What's the typical duration of terms with a Jennings variable life insurance company?
Variable life insurance policies vary in duration. In Jennings, MO, the duration of a variable life insurance policy typically ranges between 10 years and 30 years. The duration of a policy depends on the individual circumstances of the purchaser, including the size and amount of coverage desired. Itโs important to understand that the duration of the policy determines the price. Generally, the longer the duration of the policy, the higher the price of the policy.
Compare Jennings, MO 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