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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.
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 Laguna Woods, 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 Laguna Woods, CA.
Frequent Questions...
Variable life insurance premiums are generally not fixed, however, in Laguna Woods, CA, you may be able to find an insurer who offers fixed premiums for variable life insurance policies. Generally, variable life insurance offers the policyholder the option of flexible premiums, so if you're looking for a plan with a fixed premium, be sure to inquire with local insurers to find out if they offer this option. In addition, since each policyholder's needs are unique, a knowledgeable financial advisor or insurance specialist in Laguna Woods, CA can help you determine the best solutions for your individual financial goals and needs.
Do variable life insurance quotes in Laguna Woods come with a cash surrender value?
Variable life insurance policies can provide a cash surrender value to policyholders in Laguna Woods, CA. This amount can be used to pay off the policy or to supplement the policyholder's retirement income. The cash surrender value will typically be based on the current market conditions for the investments made within the policy and how well they have performed. The invested funds are not guaranteed; however, if the policyholder needs cash before the cash surrender value is realized, they can also opt to borrow or withdraw funds from the policy.
With a variable life insurance policy Laguna Woods, can I decide where my premiums are invested?
With variable life insurance in Laguna Woods, CA, you have the flexibility to customize the type of investments you want to use to power your life insurance policy. From traditional stocks and bonds, to alternative investments like index funds and hedge funds, you have the option to choose from a wide variety of products and funds in order to optimize your experience and best meet your needs. Speak to a qualified financial advisor to learn more about the options available to you in your local area.
What fees are there with variable life insurance near Laguna Woods?
The fees associated with variable life insurance in Laguna Woods, CA vary depending on the provider and the type of policy purchased. Generally, variable life insurance is a type of whole life insurance that comes with additional complications. Consequently, variable life insurance premiums tend to be higher than those for traditional whole life insurance. Fees typically include the cost of the policy itself, any administrative or setup fees, and a portion of any investment fees related to the policy. Furthermore, policyholders also often have to factor in the cost of any riders they choose to add on to their policy.
What are the surrender fees for a variable life insurance quote Laguna Woods?
Surrender charges for variable life insurance can vary depending on the policy and provider. In Laguna Woods, CA, it's important to work with a knowledgeable life insurance agent to determine the surrender charge rate associated with any policy. In general, surrender charges usually decrease over time, but that rate can depend on the type of policy and company offering it. Additionally, while surrender charges are something to be aware of when you purchase a policy, you should also be aware that you may have limited access to the money you pay into the policy until all the surrender charges associated with that policy have been paid off.
Variable life insurance offers many benefits to residents of Laguna Woods, CA. These include flexible premiums, premium deferral, a death benefit, and potential investments. With variable life insurance, policyholders have the opportunity to adjust their premiums depending on their current financial situation, allowing them to save money. Premiums may also be deferred for a certain period of time, allowing policyholders greater financial stability. A death benefit is also included with variable life policies. This protects the policyholder's surviving loved one's in the event of their passing.
Do variable life insurance policies near Laguna Woods provide guarantees on returns?
Variable life insurance in Laguna Woods, CA offers a number of guarantees that help ensure your investment returns will remain secure. First, the policy includes a minimum guaranteed rate of return on your policy that will never drop below a certain percentage, even in a volatile market. Additionally, the Policyholder's Account Value – the total amount of money in your policy – is insured for up to a certain amount should something happen to the insurer.
How can I monitor performance of my variable life insurance in Laguna Woods?
To track the investment performance of your variable life insurance in Laguna Woods, CA,you should consult with a qualified financial professional familiar with variable life insurance and the specific regulations in the area. The professional can provide you with the key information and advice needed to monitor your variable life insurance performance and ensure that you remain on track with your goals. A financial professional can also help you understand the options available for adjusting your investment allocations to maximize growth and stability over the long term. With their guidance, you can make sure that your variable life insurance investments are performing as expected and enabling you to achieve your goals.
How liquid is the cash value of my Laguna Woods variable life insurance policy?
The cash value of a variable life insurance policy in Laguna Woods, CA can vary depending on the investment performance of the funds in which the policy is invested. Generally, the cash value is liquid and available to policyholders for loan purposes, to pay premiums, or as a death benefit should a policyholder pass away. However, it is important to note that the cash value in a variable life policy can go down as well as up, so it is important for policyholders to understand the risks associated with their policy before making any decisions.
Does my Laguna Woods variable life insurance company offer a grace period for premium payments?
The grace period for premium payments of a variable life insurance policy varies and depends on the carrier's specific guidelines. Typically, the grace period for the Laguna Woods, CA area is 30 days, but it's always important to check with your carrier for exact details. Early payment of premiums is also recommended to maximize the coverage of your policy and to maintain its continuity. It is important to contact your agent or carrier to ensure that your account is in good standing.
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