Compare over 37 Variable Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Kerrville, TX 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 Kerrville, TX. 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 Kerrville, TX.
Frequent Questions...
Variable life insurance is a type of permanent life insurance policy that has the potential of providing the policyholder with a larger death benefit than standard life insurance policies, though this will depend on how the policy's investments perform. Variable life insurance is one of the many insurance options that are available to people living in Kerrville, TX. These policies provide flexibility when it comes to investment options, enabling the policyholder to customize their retirement savings. This type of insurance can act as a substitute to a 401(k) or similar retirement plan.
Are there early withdrawal penalties for variable life insurance quotes in Kerrville?
Yes, there are potential penalties for making early withdrawals from a cash value investment in Kerrville, TX. Depending on the type of policy, the penalties may be in the form of taxes, withdrawal fees, or a reduction of expected guaranteed cash values. The specific type of penalty and the amount they will incur may vary, depending on the policy itself. To ensure no penalties are incurred, it is advised to speak with a qualified financial professional before making any withdrawals.
How does the cash value work for a variable life insurance policy Kerrville?
In Kerrville, TX, the cash value component of variable life insurance works similarly to other types of life insurance. The cash value, also known as the surrender value, accumulates over time when the policyholder has not yet accessed their death benefit and is allowed to withdraw or borrow the cash, subject to certain limitations. The invested cash value grows on a tax-deferred basis, meaning that assets may increase faster than is possible with investments that are taxed in the same year as any return. Ultimately, the cash value is a source of financial security and potential liquidity have cannot be overstated.
What fees are there with variable life insurance near Kerrville?
Variable life insurance fees vary depending on the type of policy and insurance company you choose in Kerrville, TX. In general, any fees associated with variable life insurance typically include an administrative fee, fees for the money managers chosen to manage the underlying assets in the subaccounts, and an underwriting fee. Other associated expenses such as mortality charges, policy and contract charges are sometimes levied as well depending on the insurer. Generally, policyholders are given information regarding variable life insurance fees when they sign the policy. It is important to familiarize yourself with all associated charges prior to deciding on a specific plan.
Is there a minimum guaranteed return with a variable life insurance quote Kerrville?
Variable life insurance offers the opportunity to invest in stocks, bonds, and other securities in Kerrville, TX, but there is no minimum guaranteed return. Instead, returns are dependent on the performance of the underlying investments, and can vary greatly, providing both the potential for high returns and the potential to lose money. Risk should always be fully understood and evaluated before engaging in any investments.
Residents in Kerrville, TX enjoy many benefits of variable life insurance, which makes it an ideal choice for people in the area. Variable life insurance offers flexible premium payments, meaning you can make payments in accordance with your budget. When it comes to access to cash, variable life insurance has more liquidity than other types of permanent life insurance, as it allows you to use the cash value as a low-interest loan. Additionally, the death benefit of variable life insurance should be higher than other types of life insurance policies.
How does cash value growth influence death benefit with variable life insurance policies near Kerrville?
Cash value growth in a variable life insurance policy in Kerrville, Texas, can have a positive impact on the death benefit for the policy holder. Variable life insurance builds a cash component in addition to the protection benefit. Because of the policy’s investment options, the policy holder can potentially experience growth in their cash value component over time. This growth would increase the policy holder's death benefit accordingly. This potential for growth can provide policy holders in Kerrville with financial flexibility while offering them the possibility of increased protection for their beneficiaries.
Can I change investment options for variable life insurance in Kerrville without tax effects?
Yes, you can switch between investment options without tax implications in Kerrville, TX. However, if you’re disappointed with the performance of an investment, or you’re considering a long-term change in your goals, you may want to consult a qualified financial professional. If the tax implications are of paramount importance, an experienced Financial Adviser can explain the potential tax consequences of switching investment options so that you can make an informed decision.
Is my Kerrville variable life insurance policy considered permanent life insurance?
Variable life insurance is a type of permanent life insurance that is popular in Kerrville, TX because of its flexibility and potential for growth. It allows policyholders to adjust premium payments, death benefit payments, and the allocation of the premiums to various investments within the policy. With variable life insurance, policyholders also have the potential to access the savings portion of the policy for income or other financial needs. This type of life insurance offers protection for your family and a chance to build cash value that can be borrowed against or cashed out when needed.
Can I convert from term life insurance with a Kerrville variable life insurance company?
Yes, you can convert your term life insurance to variable life insurance in Kerrville, TX. The first step is to speak with a qualified financial advisor. These advisors can help you assess the risks, rewards, and additional benefits associated with the conversion and can provide guidance on which insurance option may be a better fit for you. Conversion also typically requires approval from your insurance company in order to ensure that the process is completed effectively and legally. This is why it's important to work with an experienced financial advisor who can provide helpful insights into the conversion process.
Compare Kerrville, TX 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