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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 Kernersville, NC. 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.
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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
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 Kernersville, NC.
Frequent Questions...
Variable Life Insurance in Kernersville, NC is distinct from other life insurance policies because of its ability to provide customers with the option to select their investments from a number of different investment portfolios, and to adjust their death benefit payable to their beneficiary as the policy value grows and decreases. It can offer more flexibility than other policies, where the policy value does not fluctuate and recipients are paid the same amount regardless of the market's performance. In addition, Variable Life Insurance typically allows policyholders to supplement their retirement income and take withdrawals from their policy's cash value.
Do variable life insurance quotes in Kernersville come with a cash surrender value?
Yes, variable life insurance does have a cash surrender value in Kernersville, NC. For this type of plan, a cash surrender value can be extremely advantageous. This value will usually depend on the performance of the underlying investments and can fluctuate considerably depending on market conditions. By surrendering the policy, you are allowing for your insurer to pay out a predetermined amount based on the performance of the underlying investments. However, this is usually not a recommended action because doing so may cause the policyholder to lose out on considerable gains that could be attained in the future through continued premiums.
What potential risks are there with a variable life insurance policy Kernersville?
Variable life insurance is a form of life insurance policy that carries a degree of risk, and in Kernersville, NC, it is important for individuals to understand the risks associated with this kind of policy before investing. An individual should be aware of the risk of outliving the policy, potential changes in tax-exempt status, market risk with regard to funds invested, higher fees than with other policies, and the lack of FDIC assurance.
How transparent is the investment performance of variable life insurance near Kernersville?
In Kernersville, NC, investors can rest assured that the investment performance in variable life insurance is both reliable and transparent. Companies ensure these investments use only the highest standards of disclosure and report key performance measures on a regular basis. Policyholders can review the performance of their investments on a daily basis in order to track the growth and maximize their return. Investors can also rely on the wide range of customer resources provided by the insurance companies for guidance with questions or concerns.
What happens if my variable life insurance quote Kernersville underperforms?
If your investments in Kernersville, NC perform poorly, you may want to consult a financial advisor or a Certified Public Accountant (CPA) to review your current financial situation. They may be able to identify strategies or areas of improvement that may help improve the performance of your investments and put you back on the path to achieving your financial goals. You can also research and learn as much as possible about investing, so you can make more informed decisions and hopefully avoid similar mistakes in the future.
In Kernersville, North Carolina, most life insurance policies, including variable life insurance, have an age minimum of 18 years old and a maximum of 89 years old. Agents are available to discuss all the details with those interested in purchasing a variable life insurance policy. Most companies, however, offer specific policies and rules for people up to age 79, so it is important to do some research and find the best policy that will meet your needs. An experienced life insurance agent can help you identify the best options for you and your family.
How flexible are premium payments for variable life insurance policies near Kernersville?
In Kernersville, NC, variable life insurance policies feature flexible premium payments, tailored to your individual needs. Depending on your circumstances, premiums can range from a single, one-time lump sum payment to a series of regularly scheduled payments. Flexible payment plans make it easier to budget and manage daily expenses while still benefiting from the security and long-term peace-of-mind life insurance coverage provides. Plus, in many cases you can alter your payment schedule and/or the amount you are contributing as your life and circumstances change over time.
Can I change investment options for variable life insurance in Kernersville without tax effects?
There are several tax implications that vary by state and municipality, however generally speaking, in Kernersville, NC, one may switch between investment options without tax implications. Depending on the type of investment, the state's capital gains tax laws may apply. If the portfolio size is large, the taxpayer may want to speak to an accountant for personalized advice based on their unique situation. Ultimately, understanding the tax rules that apply is key for making an informed investment decision that suits one's particular goals in an efficient manner.
Is the cash value in my Kernersville variable life insurance policy safe from creditors?
In Kernersville, NC, the cash value of variable life insurance policies is generally protected from creditors. This is because the benefits provided by these policies typically enjoy protection under the North Carolina insurance exemption laws, which generally Shield life insurance proceeds from claims of creditors, as long as the policy was not taken out for the purpose of defrauding the creditor. Additionally, a common benefit among financial planners, is to set up trusts, allowing policyholders to own the insurance policy within the trust, to further protect it from creditors.
What's the typical duration of terms with a Kernersville variable life insurance company?
The typical duration of a variable life insurance policy can vary greatly depending on the policyholder's needs. For policyholders in Kernersville, NC, policies can range from short-term life insurance policies (typically less than one year) to lifetime coverage. A well-qualified agent in Kernersville, NC can work with you to determine the best coverage for your particular situation, based on both your financial needs and your personal goals. The policy duration can be tailored to your specific needs, so that you are adequately covered no matter what life throws your way.
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