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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 Kilgore, 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.
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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 Kilgore, TX.
Frequent Questions...
Those who live in or near Kilgore, TX should consider purchasing variable life insurance if they want the potential for significant growth of the death benefit and cash value depending on the performance of the underlying investment options. Variable policyholders also benefit from the potential to borrow against the cash value of the policy for a variety of purposes. In addition, variable life insurance offers flexible premiums that can be adjusted to fit the policyholder's budget. With variable life insurance, individuals may participate in the growth opportunities of equities, bonds, and money market funds in a tax-deferred environment.
Can I cancel my policy after getting variable life insurance quotes in Kilgore?
In Kilgore, TX, you can indeed cancel your variable life insurance policy. In order to proceed with this process, you will need to speak with a customer service agent at the provider of your policy. Depending on your policy, there could be cancellation fees associated with cancelling your policy. During the cancellation process, you will receive full disclosure of the associated fees, if any. If you decide to cancel your policy, you will no longer receive coverage under that policy, nor will you be able to receive any money from your policy, including policy dividends.
How does the cash value work for a variable life insurance policy Kilgore?
In Kilgore, TX, the cash value component of variable life insurance works to provide policy holders with a stream of moving funds without having to surrender the policy. The cash value component is essentially aible life savings account that accumulates through the life of the policy in return for premium payments. The accumulation of this cash value is affected by the performance of the investment options within the account. Depending on the type of policy, cash values may be accessed at any time, without taxes having to be paid on the proceeds.
What fees are there with variable life insurance near Kilgore?
The fees associated with variable life insurance will vary depending on the provider and policy in Kilgore, TX. Generally, there may be service fees, administrative fees, and raise and lowering expenses. Additionally, some policies may have charges applied to the account, such as annual maintenance fees, edition charges, mortality and expense risk charges and any additional charges you may independently incur. To find an estimate of the fees associated with a particular policy in Kilgore, TX, it is best to speak with an experienced life insurance agent in your area.
What are the surrender fees for a variable life insurance quote Kilgore?
The surrender charges for variable life insurance in Kilgore, TX depends on the specific policy and the age of the insured. Generally, surrender charges may vary from 5% to 10% of the cash value, depending on the number of policy years that have passed. It is important to note that the fee may be waived in certain cases, such as medical hardship or permanent disability, so it is important to discuss the policy terms and conditions with your life insurance provider in order to determine what charges may apply in your specific situation.
In Kilgore, TX, there are no age restrictions for buying variable life insurance; however, it is important to keep in mind that eligibility and requirements for life insurance coverage can vary by insurance carrier. Insurance carriers typically set their own eligibility requirements, which often include age, health, and financial history benchmarks that must be met in order to qualify. It's important to consult with an experienced insurance agent who can help you determine if youβre eligible and properly match you with the best policy for your situation.
Can I upgrade variable life insurance policies near Kilgore to another policy type?
Yes, you can upgrade your variable life insurance policy to another type of policy. Depending on where you live, Kilgore, TX residents have access to many types of life insurance policies such as term, universal, whole and variable life insurance. Your Kilgore, TX insurance representative can help you make the best decision about the new policy that best suits your needs. They can discuss your options and provide more information on the advantages and disadvantages of choosing a new policy to upgrade to.
How regularly should I check my variable life insurance in Kilgore?
In Kilgore, TX, it is recommended that you review your variable life insurance policy at least once a year. This ensures your coverage is still delivering the value you need and any relevant changes to the policy and its provisions are taken into account. Moreover, reviewing regularly means you can make sure your policy is meeting your current needs and make any necessary adjustments so you remain adequately covered. This also ensures you are getting the best rate for the value currently provided. Staying up to date with your policy can help you avoid any costly surprises in the future.
How liquid is the cash value of my Kilgore variable life insurance policy?
In Kilgore, TX, variable life insurance policies generally allow you to access the cash value of the policy when needed. You can withdraw or borrow money from the cash value of your policy, providing you with a liquid source of funds. Depending on the type of policy, most insurers allow withdrawals up to the cost basis of the policy, with additional charge of the policy. Withdrawals reduce the cash value and death benefit of the policy, so it's important to consider the tax implications of withdrawals before doing so.
How do loans affect death benefits with my Kilgore variable life insurance company?
Policy loans from variable life insurance can have notable consequences on the death benefit in Kilgore, TX. Generally, the net death benefit will be decreased by an amount equal to the outstanding policy loan balance. Some policy loan debt may be waived because of the life insurance company's terms in Kilgore, TX; however, a remaining balance will require repayment from the death benefit due to unpaid interest. Ultimately, it's important to understand these conditions before taking out a loan from a variable life insurance policy in Kilgore, TX.
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