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Compare over 37 Variable Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 La Riviera, CA Variable Life Insurance policy providers in as little as 15 minutes. Save time. Save big. Get started now.
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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 Riviera, 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
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 La Riviera, CA.
Frequent Questions...
A variable life insurance policy is an excellent form of coverage for La Riviera, California residents. This policy offers customization through the ability to alter, or ‘variable’, the premiums and death benefit amounts to suit your budget and the terms of your coverage. The primary components of the policy include a cash value account, a death benefit and a living benefit. The cash value account is an accumulation of funds that can grow tax-deferred thanks to cash values determined by the investments linked to the policy.
Can I use my variable life insurance quotes in La Riviera as collateral?
In La Riviera, CA it is possible to use variable life insurance as collateral for a loan. However, not all lenders will accept variable life insurance as collateral, so it is recommended to contact your lender to confirm their policy. It is important to note that although variable life insurance is a valuable asset, it carries more risk than traditional life insurance because the value fluctuates with the stock market. Before using this type of policy as collateral, do your research to ensure that it is the best option for you and make sure you are comfortable with the associated risks.
How does the cash value work for a variable life insurance policy La Riviera?
In La Riviera, CA, the cash value component of variable life insurance works much like a savings or investment account. Upon purchasing the policy, you can allocate a portion of your premium payments to the cash value component and your money accumulates over time in an interest-bearing account that you can access while you are alive, either for lending, to withdraw the cash value, or even to access your account at policy maturity.
Do I need to understand investments for variable life insurance near La Riviera?
Not at all! At La Riviera Insurance Agency, we understand that not everyone is an investment-savvy expert. Our knowledgeable insurance agents can help you make an informed decision about purchasing variable life insurance to fit your budget and provide the best coverage for your needs. We can answer your questions and explain the advantages and risks associated with this type of life insurance policy. With our help, you can confidently choose the right coverage for your unique situation.
How does a variable life insurance quote La Riviera handle dividends?
In La Riviera, California, dividends from variable life insurance are normally applied to the policy’s cash value. The policyholder can then choose to keep the dividends within the policy to accumulate interest, used to purchase additional insurance, or withdrawn at any time for personal use. Any dividends not used in the same policy year are typically paid out the following year in either a full or partial lump-sum payment to the policyholder depending on company policy.
Living in La Riviera, protecting how you and your family will fare in both good times and bad is important. Variable life insurance offers the potential for cash value accumulation and a death benefit that can provide financial security for families. In addition, policy holders can take advantage of policy loans that use the accumulated cash value as collateral for those who may need additional funds. Variable life insurance also offers policy holders flexible premium payment schedules and several ways to pay, such as monthly, semi-annually, or annually.
How flexible are premium payments for variable life insurance policies near La Riviera?
At La Riviera, CA, our premium payments for variable life insurance plans are extremely flexible. Depending on your individual needs, we can tailor the frequency, amount, and duration of payments. Our policies are very convenient, with options ranging from monthly payments to a single, lump-sum payment. We also offer skipped payments and accelerated repayments, both of which can help to reduce your overall payments over a longer period of time. No matter what your preferences are, you can rest assured that you will be able to find a payment plan that works for you.
Does all variable life insurance in La Riviera offer the same investments?
No, not all variable life insurance policies offer the same investment options. It depends on the particular provider and the policy you purchase. La Riviera, CA-based insurance providers offer a variety of variable life insurance policies with different investment options. There are a range of fixed and equity index annuities, and some policies even offer a blend of various investments. So, depending on your financial goals and risk tolerance, you should speak to an expert to research the investment options available in your area to find out what would best fit your needs.
Is my La Riviera variable life insurance policy considered permanent life insurance?
Variable life insurance is indeed one type of permanent life insurance sold in La Riviera, CA. Variable life insurance policies offer a cash value and death benefit that are dependent on underlying equity investments. This means that the policy value can rise and fall depending on the performance of the investments, which may make this type of insurance a better fit for individuals who want to take more of a risk in exchange for a potential greater reward. The cash value of the policy can also be withdrawn or borrowed against, making the policy a more flexible and long-term option.
How do loans affect death benefits with my La Riviera variable life insurance company?
Policy loans from variable life insurance policies can have an impact on the death benefit payable to beneficiaries in La Riviera, CA. If policy loans are taken out against a variable life policy, the policyowner does not need to pay them back during their lifetime. However, if the loan balance at the time of death has not been fully paid, the policyowner's beneficiaries may receive a reduced death benefit. This is because the death benefit is paid out after the loan balance has been deducted from the death benefit.
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