Compare over 37 Variable Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Lafayette, CO 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 Lafayette, CO. 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 Lafayette, CO.
Frequent Questions...
Variable life insurance is a type of life insurance policy which is unique to the individual and provides flexible premium and death benefit payment options. Unlike traditional life insurance policies, variable life insurance allows the policyholder to allocate money into subaccounts, providing them with the opportunity to invest their money as they choose. This means that the policyholder in Lafayette, CO can tailor their policy to their needs and take advantage of the flexibility and potential for growth that a variable life insurance policy provides.
Do variable life insurance quotes in Lafayette come with a cash surrender value?
In Lafayette, CO, like many other areas, variable life insurance plans do have a cash surrender value. This means that policyholders will have the opportunity to cash out their policy and receive the current market value of their contract (if any) as a lump sum amount. Typically, the amount received will be equal to the total premiums paid (minus any applicable withdrawal fees). However, as variable life insurance policies carry investment risk, the surrender value of these policies can fluctuate over time and be reduced if the investments under your policy do not perform well.
What potential risks are there with a variable life insurance policy Lafayette?
Living in Lafayette, CO, individuals considering investing in variable life insurance should be aware of potential risks. As a type of permanent life insurance, variable life insurance may offer upside investment opportunities; however, there are also risks associated with this type of product. With variable life, policyholders could potentially lose the value of their invested assets or even their death benefit should investments decline in value. As a result, it is essential to choose an appropriate risk level for the investment, one that is consistent with current goals and future needs. Additionally, policyholders should watch for fees associated with variable life insurance policies;
How often can I modify my investments in variable life insurance near Lafayette?
In Lafayette, CO, you can change your investment choices for variable life insurance as often as you'd like. Generally, it is recommended to make changes no more than twice a year, however the frequency depends on your goals and financial situation. In addition, if you need professional advice or support in selecting the best investments for your portfolio and risk-tolerance, consulting an experienced financial advisor may be beneficial.
Can I include riders in my variable life insurance quote Lafayette?
Yes, you can add riders to a variable life insurance policy. In Lafayette, CO, many insurance companies offer a wide variety of riders that can be added to variable life policies to help you customize a plan that fits your needs. Adding riders can provide an extra layer of protection, such as waiver of premium, which pays the policy premiums if you become disabled. In addition to rider features, many companies in Lafayette, CO may also offer additional products linked to the policy. Before adding any riders or additional features, make sure to understand all of the terms and conditions associated with each.
Variable life insurance is a great option for short-term coverage needs, particularly in the Lafayette, CO area. Variable life insurance allows responsible policyholders to take advantage of the stock market, pivoting their policy's funds with an eye toward increasing cash value and possibly increasing returns on investments. The Lafayette, CO region is known for its technology sector, so a variable life insurance policy might make great sense for investment-minded local individuals. Whenever considering an insurance policy, it is important to speak with an insurance agent to get advice about the best coverage options.
How does cash value growth influence death benefit with variable life insurance policies near Lafayette?
The cash value growth of variable life insurance in Lafayette, Colorado can have a substantial impact on the death benefit payout. A higher cash value will result in a greater amount payable upon the policyholder's death that may include additional features, such as waivers for premiums, additional death benefits, or greater benefits upon maturity. Furthermore, the cash value itself can be accessed through a loan or withdrawal to cover expenses throughout the policyholder's life. The money saved in the cash value is tax deferred, allowing for greater earnings over substantially longer periods of time.
How can I monitor performance of my variable life insurance in Lafayette?
If you live in Lafayette, CO and are looking to track the performance of your variable life insurance investment, there are a few options for you. First, you can consult with a professional financial adviser in the area. They can provide you with thorough, up-to-date advice on the best course of action to take for your particular investment. Alternatively, you could take advantage of investment tools available online, such as a portfolio tracking feature which you can use to keep track of your investments.
How does my Lafayette variable life insurance policy handle loan interest?
In Lafayette, CO, the policy loan interest for variable life insurance is isolated from the death benefit and credited to the policy. The interest rate varies with the size of the loan and is generally tax-deferred until the loan is paid back and withdrawn. The repayment of the loan also depends on the cash value of the policy, so policyholders should keep an eye on the performance of the underlying assets. The policy loan interest is taken from the policy's accumulation value and is usually at a higher rate than what would be earned in the underlying portfolio.
What's the typical duration of terms with a Lafayette variable life insurance company?
The typical duration of a variable life insurance policy depends on the policy holder's specific needs and objectives as well as the legal regulations and financial goals of the policy holder in Lafayette, CO. Generally speaking, the duration of a policy can range from a few years all the way up to an entire lifetime, depending upon the policyβs terms and conditions. Some policies provide coverage until a predetermined age or time period, while others last until the death of the insured.
Compare Lafayette, CO 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