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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 Kendall West, FL. 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
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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 Kendall West, FL.
Frequent Questions...
Anyone living in the Kendall West, FL area who is looking for permanent life insurance solutions that allow for flexibility over time should consider purchasing variable life insurance. This type of policy is investment-focused and allows the policyholder to make selections and changes to their investments in order to better reach their financial needs and goals. Furthermore, it offers death benefit protection and the potential to accumulate tax-deferred cash value over time. Another added advantage is the potential to access the cash value to pay for policy fees and other costs associated with owning a life insurance policy.
Do variable life insurance quotes in Kendall West come with a cash surrender value?
Yes, variable life insurance policies offered in Kendall West, FL typically have a cash surrender value. This is an important feature that can provide financial flexibility and ensure policyholders are able to access the money theyโve invested in their policy if needed. Cash surrender value is usually calculated as a percentage of premiums paid, minus any withdrawals made from the policy. It is important to note that the cash value of a variable life insurance policy will vary based on a number of factors, including the performance of the investments.
How does the cash value work for a variable life insurance policy Kendall West?
In Kendall West, Florida, variable life insurance works by combining a death benefit with a Cash Value Account that gives the policyholder investment opportunities. The Cash Value Account provides a way to save money on a tax-deferred basis, as your investment earnings are not susceptible to federal income tax until the funds are withdrawn. The Cash Value Account allows you to choose between several investment options, such as mutual funds, stocks, and bonds, and you'll see the benefits of your investments grow over time.
How transparent is the investment performance of variable life insurance near Kendall West?
The investment performance in variable life insurance for Kendall West, FL, is highly transparent. Rather than hiding behind ambiguous phrases or complex calculations, providers in Kendall West are required by law to be upfront and honest about their performance. You can easily request a copy of your planโs insurance contract, which includes information about investments, from your provider. Additionally, you can access current and historical performance reports online or request a printed copy. This information is also available from your financial advisor.
What happens if my variable life insurance quote Kendall West underperforms?
If a Kendall West, FL investor's chosen investments perform poorly, they may wish to consider a number of strategies to mitigate their losses. Tax-loss harvesting may help to reduce tax liabilities, while diversifying their portfolio may also help to reduce risk and increase return over the long-term. Alternatively, investors may wish to consult with a financial advisor or wealth manager to gain a better understanding of the options available in the market and potential strategies for risk mitigation.
In Kendall West, FL, age restrictions for buying variable life insurance vary by product and are not uniform; however, most companies require the individual to be at least 18 years old to purchase variable life insurance. Additionally, depending on the insurer, some policies may have age ceilings, usually between the ages of 60 to 70 years old, for the insured to qualify for the coverage. When in doubt, it is best to check with your insurance provider to ensure you meet the age requirements for the variable life insurance product you are interested in.
Can I direct specific investment strategies for variable life insurance policies near Kendall West?
In Kendall West, FL, policyholders of certain types of life insurance policies may be able to specify their own investment strategies for the cash value. However, there are some restrictions depending on what type of policy and company the policyholder is invested with. For this reason, it is important to check with the individual insurance company to see if specific investment strategies are allowed. It is also important to understand the risks associated with these strategies as they can affect the cash values and future policy benefits.
Are management fees for variable life insurance in Kendall West similar to mutual funds?
The management fees for variable life insurance can vary, and will depend on factors such as the provider and the individual policy terms. In Kendall West, FL, regular mutual funds and variable life insurance fees may vary in the amount of the fees, however they are typically comparable. For example, some mutual funds may charge a one time fee when opening the account while variable life insurance usually has a commission that is earned every time policy premiums are paid. Ultimately, it is important to research the policies, fees, and available options to make the best financial decision for your situation.
How does my Kendall West variable life insurance policy handle loan interest?
Kendall West, FL residents should be aware that the interest on policy loans in Variable Life Insurance can vary depending on the policy details. Typically, policy loan interest accrues within the policy and is credited to the policy's accumulated value. This interest may be subject to ordinary income taxes, depending on the policyholder's circumstances. For this reason, policyholders should consult with a tax advisor to determine if any tax liabilities exist related to their policy loans.
Do I get dividends from my Kendall West variable life insurance company?
Depending on the specific type of variable life insurance policy held by Kendall West, FL, they may be eligible to receive dividends on their investments within that policy. Dividends are not guaranteed but may be received when certain conditions have been met, such as the performance of the investments within the policy. Every insurance provider has their own set of rules regarding dividends and eligibility, so it is worth checking the specific details of Kendall West's policy to ensure they are aware of any dividend options to take advantage of.
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