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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 Junction City, KS. 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
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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 Junction City, KS.
Frequent Questions...
Variable life insurance policies differ from traditional life insurance policies available in Junction City, KS in several ways. Variable life insurance gives policyholders the option to choose from a variety of investment sub-accounts, allowing for growth potential and a way to customize the policy to meet individual financial goals. This type of policy also allows the insured to choose how much to pay for the premium, making it more flexible than traditional policies. Additionally, variable life insurance policies can provide a death benefit, but they also offer the ability to withdraw or borrow money from the cash value.
Do variable life insurance quotes in Junction City come with a cash surrender value?
Variable life insurance in Junction City, KS can have a cash surrender value for policyholders who may need access to cash. This value is determined by the cash value of the policy which is based on the amount of money invested, any withdrawals, loans, or outstanding premiums that are due. The cash surrender value can be helpful for those times when money may be needed in an emergency.
With a variable life insurance policy Junction City, can I decide where my premiums are invested?
When selecting a variable life insurance policy in Junction City, KS, you can choose where your premium dollars are invested. Many options are available, such as stocks, bonds, mutual funds, and other investment vehicles. Your advisor can help guide you through the process and discuss various options that are compatible with your investment goals. Knowing your risk tolerance and understanding the potential risks associated with each investment choice is critical when deciding which options might work for you. With the right guidance, you can craft a variable life insurance policy with precise investment choices and the assurance of knowing that you are making sound investments for the future.
What fees are there with variable life insurance near Junction City?
In Junction City, KS, the fees associated with variable life insurance will depend on the policy holder's specific plan and provider. Generally the fees include a mortality and expense fee, annual administrative fees and other specified policy fees. Most policies also charge additional fees for riders or extra coverage. It is important for policy holders in Junction City, KS, to read their policy documents thoroughly and ask their provider questions if they have any doubts about their fees before they make their final decision.
What are the surrender fees for a variable life insurance quote Junction City?
The surrender charges for variable life insurance in Junction City, KS can vary depending on the insurance provider and policy. Generally, you are subject to surrender charges if you cancel the policy within the first 7-10 years, and the penalty will typically be a percentage of the invested amount. These charges can range from 15 to 25%, and it's important to compare different providers and factors in order to determine which policy best suits your needs. Keep in mind that surrender charges are intended to protect the insurance company and help cover outstanding costs associated with the policy.
In Junction City, KS, the death benefit varies with the investment performance of the policyholder, as it is based on the performance of their individual investments. The death benefit can increase or decrease depending on how their investments have performed, so it is important for policyholders to understand the volatility of the market and select investments that they expect to perform consistently over the long-term. It is also important to review the performance of the policyholder's investments to ensure that the death benefit will remain sufficient for their circumstances.
Do variable life insurance policies near Junction City provide guarantees on returns?
Variable life insurance in Junction City, KS may provide attractive returns on investments due to strong investment options and opportunities. However, these investments are not guaranteed and their performance is based on the market and the underlying investments. The biggest benefit of variable life insurance in Junction City, KS is the death benefit which provides a guaranteed amount to beneficiaries upon the death of the insured, ensuring their financial security. That is the main idea behind variable life insurance: providing protection to family members in the event of a tragedy.
Can I change investment options for variable life insurance in Junction City without tax effects?
Yes, investors in Junction City, KS can switch between investment options without any tax implications. The tax code inside the state allows for securities purchased in the same investment to be interchanged without owning a wash sale or triggering any taxes. This means that an investor can switch back and forth between investments without worrying about future taxes or repercussions. However, it is highly recommended to speak to a financial advisor to ensure that the switch between investment makes sense in order to properly align with the investorโs budgetary goals.
Is my Junction City variable life insurance policy considered permanent life insurance?
Yes, variable life insurance is a type of permanent life insurance. In Junction City, KS, it provides a death benefit for your beneficiaries, as well as potential investment opportunities. There are both variable universal life policies and variable life policies available, so it is important to speak with an insurance agent to find out which is best for your personal needs and goals. Variable life also offers policyholders a tax-deferred approach to accumulating cash value funds, to be used for retirement income, college tuition, or other future needs.
Do I get dividends from my Junction City variable life insurance company?
In Junction City, KS, you may receive dividends from the investments within your variable life insurance policy depending upon the issuing company and policy specifics. Depending on the type and amount of your policy, you could receive a dividend that will be added directly to the cash value of your policy or you could opt to receive the dividend in cash, which can be directed to another account or used to pay premiums on your policy. You can also direct the dividends to other investments if your insurance company allows for it.
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