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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 Kearns, UT. 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 Kearns, UT.
Frequent Questions...
Variable life insurance is a type of life insurance policy that builds a cash value, which can be accessed and used by the policyholder. Those living in Kearns, UT have the opportunity to make use of this type of life insurance policy in order to help them prepare their family for any eventualities in the future. With variable life insurance, premiums are typically flexible and policyholders are allowed to invest their cash value into sub-accounts, which can be adjusted according to changing needs and goals.
Can I use my variable life insurance quotes in Kearns as collateral?
In Kearns, UT, variable life insurance policies can be used as collateral for a loan--as long as the loan agreement and applicable law permit such use. To use a life insurance policy as collateral for a loan, you must surrender the policy and the cash value of the policy may be allocated to you. However, it is important to bear in mind that when you pledge a policy as collateral for a loan, you expose yourself to the risk of the loan being called.
What potential risks are there with a variable life insurance policy Kearns?
Variable life insurance in Kearns, UT offers a number of potential benefits, but there are several risks associated as well. First, variable life insurance requires a higher premium than other life insurance options, so individuals need to be mindful of their budget. Second, the value of a policy can change based on the performance of underlying investments, meaning the benefit could be less at death if the investments donβt perform well. Additionally, it may entail a risk of principal if you withdraw money to fuel your investments.
Do I need to understand investments for variable life insurance near Kearns?
Investing in variable life insurance can be a smart choice for those living in Kearns, UT regardless of their familiarity with investments. In fact, many variable life insurance policies offer additional benefits such as living benefits, riders, or greater death benefits than traditional life insurance policies. Most importantly, with variable life insurance you can take comfort in knowing that experts are available to assist and advise you on how to best leverage those investments. Do your research and find out more, and you can easily make an informed decision on variable life insurance that best fits your family's needs.
Is there a minimum guaranteed return with a variable life insurance quote Kearns?
Variable life insurance in Kearns, UT may offer a minimum guaranteed return depending on the policy and the insurance company. It is important to read through all of the details of each individual policy so you can be aware of any minimum guaranteed returns associated with the policy you are considering. It is also important to discuss your specific needs with a licensed insurance professional to ensure you are purchasing a policy that is right for you.
Yes, fund transfers within the policy are subject to certain limitations which vary depending on your location. In Kearns, UT, fund transfers are bound by restrictions such as dollar amounts and the types of accounts from which funds can be transferred. Additionally, there may be fees or charges associated with transferring funds. It is recommended that you review the policy carefully to make sure you understand the limitations and fees prior to making any fund transfers.
Can I direct specific investment strategies for variable life insurance policies near Kearns?
In Kearns, UT, the policyholder does not have the ability to affect the specific investment strategies of the cash value in their policy. However, they do have the option to discuss with their insurance provider and possibly modify the policy to generate more desired investment options. It is important to note that policyholders should always research the expected return on their investments and potential risks before making any changes that could impact their overall policy.
How can I monitor performance of my variable life insurance in Kearns?
In Kearns, UT, the best way to track the investment performance of a variable life insurance policy is to contact your life insurance provider and review their resources. They should have access to valuable informational resources to review performance statistics and evaluate the success of your policy. Your life insurance provider might also have other resources to review such as newsletters, charts, graphs, and other visual aids to provide you with a thorough understanding of the performance of your policy.
How liquid is the cash value of my Kearns variable life insurance policy?
The liquidity of the cash value in a variable life insurance policy in Kearns, UT is determined by the specific policy terms. Generally, cash values from life insurance policies can be accessed in a variety of ways, such as by taking a loan or withdrawal, or through a Surrender. Both loans and withdrawals will likely incur charges, and loans may not be available from every insurance company. Surrenders, however, will generally have no charges attached, though the policy's cash value may be reduced or the policy may terminate if you choose to surrender the policy.
Can I convert from term life insurance with a Kearns variable life insurance company?
In Kearns, UT, the answer to whether you can convert your term life insurance to variable life insurance depends on the individual policies and contracts you have with the insurer. Generally speaking, since term life insurance and variable life insurance are two different types of life insurance, term life policies cannot be converted to variable life insurance. However, a replacement policy may be available in Kearns, UT where you exchange your existing term policy for a variable life insurance policy, allowing you to have the benefits of both.
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