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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 La Mirada, CA. 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
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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 La Mirada, CA.
Frequent Questions...
A variable life insurance policy in La Mirada, CA offers several essential components, including a death benefit, a cash value account, and tax deferral. The death benefit provides a one-time payment to designated beneficiaries upon the policyholder's passing. The cash value account is a unique feature of variable life insurance policies that allows the policyholder to invest in an approved range of stock, bond, or mutual fund portfolios and take advantage of growth opportunities.
Can I cancel my policy after getting variable life insurance quotes in La Mirada?
Yes, you can cancel your variable life insurance policy in La Mirada if you wish. Any policy you have with a particular insurance provider can be canceled at any time, including those in La Mirada. However, it is important to note that there may be penalties associated with cancelling a policy early, such as administrative fees. It is always important to thoroughly read the details of your policy before canceling so that you understand the implications. You can usually find information regarding the cancellation in the policyholder's agreement, or you can contact your provider for assistance.
What are the tax aspects of a variable life insurance policy La Mirada?
The tax implications of variable life insurance in La Mirada, CA can vary depending on how the policy is structured. When cashing out a variable life insurance policy, the policyholder is required to pay any federal income taxes that they owe on the policyβs gains. The policyholder is also subject to the state and/or local taxes in La Mirada, CA. Any withdrawals made from a variable life insurance policy are subject to the same taxes and penalties as any other withdrawal from a retirement vehicle.
What fees are there with variable life insurance near La Mirada?
Variable life insurance is an insurance option that can work for many people in La Mirada, CA. The fees associated with this type of insurance vary but generally include a premium, a surrender charge, and a mortality and expense charge. The premium is the cost of insurance and is typically based on factors such as the insured's age and the face amount of the policy. A surrender charge is a fee charged when you surrender the policy, and a mortality and expense charge is a fee charged to cover the cost of insuring the life of the insured and the operating costs of the insurance company.
What are the surrender fees for a variable life insurance quote La Mirada?
The surrender charges for variable life insurance vary based on the location, timeline, and chosen policy. In La Mirada, California, CAP COM Federal Credit Union offers plans with surrender charges ranging from 0%-7%, depending on the timing of the surrender. Payout options are available after three years of the contract being in force, and subsequent withdrawals may be subject to surrender fees. It's important to understand the terms and conditions of the specific policy you choose and the associated surrender fees so that you can be sure you are getting the most from your policy.
La Mirada, CA residents often find variable life insurance to be an attractive choice given its many benefits. One of the primary benefits of this type of life insurance is that it provides policyholders with the flexibility to adjust their coverage levels based on their current needs. With variable life insurance, policyholders can also enjoy cash value accumulation, access to funds, and greater potential opportunities for performance-related gains. Policyholders also benefit from the ability to customize their policies to their specific goals, such as preserving wealth for future generations or supplementing retirement income.
How flexible are premium payments for variable life insurance policies near La Mirada?
Insurance is a serious undertaking and it pays to know that you're making the most informed decision for your needs, especially when it comes to Payment Flexibility. In the La Mirada, CA area, variable life insurance policies are especially optimized for Payment Flexibility, meaning you can quickly and easily adjust your premiums according to your income and expenses at any given time. Premium payments can also be made on schedule every month, bi-monthly, quarterly, or annually. In this way, you have the ultimate control over your payments, allowing you to always keep up with your financial situation.
How regularly should I check my variable life insurance in La Mirada?
Located in La Mirada, CA, it is important to review your variable life insurance policy on a regular basis. Depending on your individual situation and the changes in your life, it is generally suggested to review the policy at least once a year. Additionally, any other large life-event, such as marriage, divorce, or having a child, should trigger a policy review. It is important to review the policy to make sure that it meets your individual needs and that your premiums and coverage amount are still the best option for you.
How does my La Mirada variable life insurance policy handle loan interest?
La Mirada, CA residents policy loans on their variable life insurance policies are treated as a loan against the premium paid for coverage, and the interest accrued charges are added back to the cash surrender value. Interest rates on these loans vary and are typically determined by the insurance provider, who obtains them from the insurance company's own investment portfolio. Depending on the provider, policyholders may also be able to set their own loan interest rate, however, additional fees and restrictions may apply. It is important to check with the insurance provider for details.
Can I convert from term life insurance with a La Mirada variable life insurance company?
Yes, it is possible to convert your term life insurance into variable life insurance in La Mirada, CA; however, it is important to first review the differences in coverage between the two. Variable life insurance has a greater degree of customization, allowing policyholders to have greater control over the cash value and potential dividends. Additionally, certain types of life insurance that are variable or universal policies also provide access to the stock market. On the other hand, term life insurance policies provide coverage for a specified amount of time and may be more affordable for policyholders.
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