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With PolicyHub you get to compare over 37 Lake Mary, FL 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 Lake Mary, FL. 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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Mark Sidway
Variable Life Insurance agent
Mark Sidway is a Variable Life Insurance agent licensed in your state.
Cale Reeves
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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 Lake Mary, FL.
Frequent Questions...
Variable life insurance is a unique type of life insurance policy available to residents of Lake Mary, FL that offers consumers flexibility and the potential to earn greater returns than a traditional life insurance policy. This type of policy allows policyholders to allocate their premium payments among a variety of different investments, such as stocks, bonds, and mutual funds, thus allowing them to strategically select investments that grow with the current market climate. Additionally, variable life insurance policies may build faster cash value than traditional life insurance policies which may offer faster access to funds for medical expenses or retirement.
With variable life insurance quotes in Lake Mary, how is the beneficiary impacted by investment performance?
Beneficiaries in Lake Mary, FL can benefit greatly from well-performed investments. Those who make smart decisions and commit to investing soundly can see their assets increase over time. Furthermore, beneficial outcomes can provide long-term financial security and stability, allowing investors to plan for the future with more confidence and peace of mind. Investing performance can also lead to greater returns than simple savings or a traditional checking account. This could benefit locals in unimaginable ways, such as allowing them to buy a home of their own or invest in further educational opportunities.
Can I withdraw or borrow from a variable life insurance policy Lake Mary?
You can potentially withdraw or borrow from the cash value of your variable life insurance policy in Lake Mary, FL, however it is strongly recommended you speak with a qualified financial advisor before doing so. Withdrawing or borrowing from your cash value can reduce the death benefit and could incur additional costs to the policy. Additionally, surrendering the policy or any partial withdrawals that are not used for premiums, may trigger additional tax consequences. Due to the potential risks associated with variable life insurance policies, talking with a financial advisor is highly recommended prior to withdrawing or borrowing from the cash value.
What fees are there with variable life insurance near Lake Mary?
In Lake Mary, FL, the fees associated with Variable Life Insurance can vary depending on the carrier. Generally, there will be a fee associated with the cost of the policy, as well as any additional fees charged by the insurer. These fees may include an administrative fee, a mortality and expense charge, and any applicable taxes or fees. Additionally, there may be fees associated with the investment choices for the policy, such as management fees and sales charges. It's best to consult with your local life insurance professional to find out the exact fees associated with your particular policy.
Is there a minimum guaranteed return with a variable life insurance quote Lake Mary?
Variable life insurance offers a potential for a greater return on the policyholder's investment than a minimum guaranteed return, which makes it an attractive option for Lake Mary, FL residents. However, the policyholder is not guaranteed a certain rate of return on their money and the actual performance of the underlying investments will determine the amount of proceeds returned at the end of the policy's life. Variable life insurance is subject to a wide range of risks, including the risk of a complete loss of premium.
Yes, there are age restrictions for buying variable life insurance in Lake Mary, FL. Generally speaking, the minimum age to purchase such a policy is 18, although in some cases a minor may qualify under specific circumstances. In addition, a person must be approved for coverage by the underwriting department in order to be eligible for a policy. Finally, the policy purchaser must be of legal age in the state of Florida (which is 18 years). With these criteria in mind, customers in Lake Mary, FL must meet these requirements in order to purchase variable life insurance.
How flexible are premium payments for variable life insurance policies near Lake Mary?
In Lake Mary, FL, the flexibility of premium payments in variable life insurance is quite remarkable. You have several options to choose from that allow you to tailor your payment structure to fit within your personal budget. You can choose to make monthly, quarterly, semi-annual, or annual contributions, or you can tailor your payments to coordinate with pay periods. There is also an option for a one-time deposit to get you started. Your premiums can be adjusted to meet your changing financial needs, allowing you to increase or decrease your payment amounts, thereby making it truly a flexible and customizable product.
How regularly should I check my variable life insurance in Lake Mary?
In Lake Mary, FL, it is generally recommended that individuals review their variable life insurance policy at least once a year, although they should consider consulting their insurance provider if they have any questions or concerns specific to their individual circumstances. It is also best practice to check in with the insurer any time there is a major life event, such as a marriage, divorce, the birth of a child, or a change in income, to ensure that the policy and its benefits are reflective of the individual's current needs.
How liquid is the cash value of my Lake Mary variable life insurance policy?
In Lake Mary, Florida, the cash value of a variable life insurance policy will depend on the specifics of the policy and the performance of the underlying investments, meaning that it will be a liquid asset to the extent to which the funds are accessible or available for withdrawal. Generally, the cash value of a variable life insurance policy, and the associated policy growth, is subject to the performance of cash equivalents, mutual funds, and similar investment options. Your investment options depend on the policies offered by your insurer.
Does my Lake Mary variable life insurance company offer a grace period for premium payments?
Yes, customers in Lake Mary, FL can take advantage of a grace period for their variable life insurance premium payments. Generally, the grace period lasts for 30 days from the due date of the premium payment. During the grace period, customers can make the payment without being assessed a late fee. If customers fail to make their payment within the grace period, their policy will be in jeopardy of being canceled and penalties may be incurred. It is important to note that policyholders need to be mindful of any additional conditions which may be specific to their policy.
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