Compare over 37 Variable Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Knightdale, NC 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 Knightdale, 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.
![]() |
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 Knightdale, NC.
Frequent Questions...
Individuals living in Knightdale, NC should consider purchasing variable life insurance if they are looking for a policy offering flexible paying options, access to cash values, and the opportunity to invest in a variety of securities. Variable life insurance policies are typically more expensive than other forms of life insurance, yet offer an opportunity to potentially experience a higher return on investment than other options. The opportunity to adjust payment terms and access cash values offer attractive features that long-term investors may find appealing. Furthermore, the risk factor associated with variable life insurance policies may be particularly attractive to those wishing to increase their return on investment potential.
Are there early withdrawal penalties for variable life insurance quotes in Knightdale?
Yes, there are penalties for early withdrawal from the cash value in Knightdale, NC. Generally, if you take out money before reaching a certain age, usually age 59 ½, you are subject to an additional 10% tax on that income. Additionally, any remaining cash balance will be reduced if money is taken out too soon, and there may be fees associated with this financial transaction. It is important to consult with a financial advisor to learn more about the potential penalties and any other impact on your financial situation in Knightdale.
How does the cash value work for a variable life insurance policy Knightdale?
Knightdale residents who have a variable life insurance policy will benefit from the cash value component, which allows policyholders to make withdrawals and loans against certain asset categories. The cash value may include stocks, bonds, or other types of investments, and it will grow as long as the policyholder continues to make regular contributions or payments. Different investments come with varying levels of risk, and it is important that policyholders understand these risks before deciding how the cash value component of the policy should be allocated.
Do I need to understand investments for variable life insurance near Knightdale?
While you do not need to be investment-savvy to purchase variable life insurance in Knightdale, NC, it can be beneficial to seek advice from an expert investment advisor when making decisions that involve money planning. Variable life insurance is a long-term investment and it is important to explore all potential options in order to ensure that you are making the right decision in terms of your own personal financial goals. A highly qualified advisor in Knightdale is equipped to help you understand the benefits and risks of variable life insurance and advise you on the best investment choices for your particular situation.
How does a variable life insurance quote Knightdale handle dividends?
In Knightdale, NC, variable life insurance policyholders benefit from potential distribution of dividends which can be used for a variety of purposes such as withdrawals or additional premiums. The dividends are considered to be an adjustment to the cash value of the policy and can help policyholders take advantage of potential returns. Additionally, dividends may be used for long-term investments with the aim of potentially increasing the policy's cash value. Ultimately, how the dividends are treated in a variable life insurance policy depends on what the policyholder has agreed to with their insurer.
Yes, there are limitations for fund transfers within the policy in Knightdale, NC. The policy outlines the limits of person-to-person electronic transactions, third party electronic fund transfers, and other transfers. These limitations can vary due to the type of specific transaction and banking institution, and it is important to be aware of any applicable rules and regulations before making a transfer. The financial institution handling the transfer can also provide specific information about the limits for each transaction.
How does cash value growth influence death benefit with variable life insurance policies near Knightdale?
In Knightdale, NC, cash value growth in variable life insurance can have a positive effect on the death benefit. The cash value of the policy grows via investments, allowing policyholders to benefit from potential gains. Furthermore, the death benefit equals the policy's cash value at the time of death, assuming that the policy hasn't been surrendered, so this growth positively affects the amount the policyholder's beneficiaries would receive upon death. As a result, investing in variable life insurance can be a beneficial component of creating an estate plan in the Knightdale, NC area.
How regularly should I check my variable life insurance in Knightdale?
It is recommended to review your variable life insurance policy once a year, but twice a year, particularly around tax and retirement planning season is highly recommended. In addition, in Knightdale, NC policy-holders might choose to conduct additional reviews in light of any significant life changes, such as marriage, divorce, career changes, relocation, the birth or adoption of a child, or any changes in beneficiaries. This is especially important to do if you now have a different financial standing or the amount of risk you are willing to take on has shifted.
Can I use my Knightdale variable life insurance policy for retirement savings?
Yes, variable life insurance can be used as a retirement savings vehicle in Knightdale, NC. By investing a portion of your premium into separate investment accounts, you can grow your money and tap into the cash value of the policy once it matures. This policy also provides a safety net for your family in case something unexpected happens, as it provides a death benefit that can provide needed financial support in hard times. Another benefit is that the policy typically grows tax-deferred, so your returns are not subject to immediate taxation.
What's the typical duration of terms with a Knightdale variable life insurance company?
The typical duration of a variable life insurance policy in Knightdale, NC can vary depending on the customers' individual needs. Many policies offer term length periods ranging from one year to 30 years. It is important to note that the terms and conditions of each life insurance policy can differ depending on the type of coverage, the specific service provider, and payment requirements. Consumers should consult with a Knightdale-based insurer prior to selecting a policy to make sure that the policy meets their needs and budget.
Compare Knightdale, NC 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