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With PolicyHub you get to compare over 37 Kettering, OH Variable Life Insurance policy providers in as little as 15 minutes. Save time. Save big. Get started now.
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Over 37 policy provider comparison.
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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
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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.
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 Kettering, OH. 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 Kettering, OH.
Frequent Questions...
Variable life insurance policies offer premiums that remain fixed throughout the duration of the policy in the Kettering, OH area. This means the insured will pay the same amount year after year and will not face any unexpected rate increases. With this type of insurance, the principal amount is determined by the policyholder, and any earnings are guaranteed for the duration of the policy, providing a much more secure comparison to other insurance plans. Premiums are typically taken out monthly and are kept separate from the rest of the money, creating a steady path to financial freedom.
Can I cancel my policy after getting variable life insurance quotes in Kettering?
Absolutely, you can cancel your variable life insurance policy in Kettering, Ohio. Depending on the type of insurance policy you have, there are various ways this can be done. You may be able to simply call your insurer and explain that you'd like to cancel the policy and have them begin the cancellation process. Alternatively, you may need to complete and submit a cancellation form before the policy can be cancelled. This form should be available from your insurer and typically requires signature from various authorized parties.
How does the cash value work for a variable life insurance policy Kettering?
The cash value component of variable life insurance works differently from other types of life insurance available in Kettering, OH. Instead of a set amount of money being paid out in the event of the policyholder's death, variable life insurance provides an investment element that can grow over time. When the cash value component is added to the policy, the policyholder will have access to their cash value through loans, withdrawals, or other options.
What fees are there with variable life insurance near Kettering?
The fee associated with variable life insurance in Kettering, OH can vary depending on the provider. Generally speaking, the premiums for variable life insurance policies may include inspection charges, insurance agent fees, mortality and expense charges, and administrative fees. Different plans can have different fees associated with them. Therefore, it is important to compare policies carefully to understand all costs associated with obtaining the policy to ensure the policy meets your needs.
What are the surrender fees for a variable life insurance quote Kettering?
The surrender charge for variable life insurance in Kettering, Ohio can vary greatly depending on which insurance carrier you are working with. Generally, you can expect a surrender fee of around 3-7% in the first year and then a decrease for subsequent years. If you are looking for an insurer in Kettering, Ohio, it is important to shop around to make sure you are getting the best surrender charge for your policy. Again, surrender charges vary by policy and provider, so make sure to compare different offers until you find one that best meets your needs.
Residents of Kettering, OH have access to some unique benefits provided by variable life insurance policies. With these policies, policyholders have the opportunity to experience long-term investment growth while also being able to access their cash value at any time. Additionally, a policy's death benefit is typically tax-free and the policy holder has the ability to choose how and where to invest the funds within the policy, giving them greater control over their financial future.
Do variable life insurance policies near Kettering provide guarantees on returns?
Variable Life Insurance offered by many companies in the Kettering, OH area provides no guarantees about investment returns, but it offers the potential for growth through professional money management and a wide selection of investment options. People may find that selecting an insurance professional to help them weigh the potential risks and rewards of variable life insurance can be pivotal in helping them achieve the financial goals they have in mind. Variable life insurance in Kettering, OH can potentially offer a higher return than fixed-rate investment options, but it is important to remember that the future is not set in stone, and there are no guarantees.
How regularly should I check my variable life insurance in Kettering?
Residents of Kettering, OH should review their variable life insurance policy regularly to determine whether their beneficiary designations are up to date, their coverage is still appropriate, and other financial obligations are being satisfied. It is a good idea to review an insurance policy on an annual basis, especially when there has been a major life event such as the birth of a child, a marriage or divorce, or the purchase of a new home. If the policyholder has any questions or concerns about their coverage, they should speak with an insurance agent to ensure that their variable life insurance policy remains in good standing.
Can I use my Kettering variable life insurance policy for retirement savings?
In Kettering, OH and throughout the United States, variable life insurance can be a part of an individual's retirement savings plan. Variable life insurance offers cash value growth potential in various subaccounts that are comprised of mutual funds. The funds are chosen at the policyholder’s discretion and provide the policyholder with an opportunity to benefit from higher returns that the stock market may offer. Additionally, life insurance proceeds can be received by a named beneficiary tax-free at the time of the policyholder's death, making variable life insurance another attractive option as part of a comprehensive retirement savings plan.
Can I convert from term life insurance with a Kettering variable life insurance company?
In Kettering, OH, it is possible to convert your term life insurance to variable life insurance. However, the decision to convert should be carefully thought out. The coverage is no longer limited to a certain period of time and the premiums may be substantially higher. Before making the conversion, consider the advisability of continuing with term life insurance in light of your current financial and life insurance needs. Your local financial advisor in Kettering, OH is a great resource who can look into the longer-term implications of making this change and provide guidance to help ensure that the conversion is best for your situation.
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