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With PolicyHub you get to compare over 37 Lake Stevens, WA 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 Stevens, WA. 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
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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 Stevens, WA.
Frequent Questions...
A variable life insurance policy in Lake Stevens, WA typically consists of a death benefit, an accumulation fund, and a feature known as a policy loan. The death benefit is designed to provide a tax-free source of income to a person's family in the event of their death. The accumulation fund is an investment component where a portion of premium payments can be used to purchase additional shares or mutual funds. This allows policyholders to benefit from potential gains accrued over time.
Can I use my variable life insurance quotes in Lake Stevens as collateral?
In Lake Stevens, WA, you can indeed use variable life insurance as collateral for a loan, although it is important to weigh your options and understand the potential risks as well as the benefits. Depending on your specific situation, the loan may be secured or unsecured and your premiums may be paid from your loan proceeds or from your own assets. Variable life insurance policies can provide a solid asset backstop for certain types of loans and can also create access to cash in order to purchase additional investments or real estate.
With a variable life insurance policy Lake Stevens, can I decide where my premiums are invested?
Absolutely! When it comes to variable life insurance in Lake Stevens, WA you have the freedom to choose where your premiums are invested. For instance, you might invest in stocks, bonds, or mutual funds. Additionally, many variable life insurance policies allow investments in other asset classes like real estate investment trusts (REITs). By investing your premiums into different asset classes, you can increase diversity and potentially secure higher returns over time.
How transparent is the investment performance of variable life insurance near Lake Stevens?
Investment performance in variable life insurance in Lake Stevens, WA is highly transparent. Customers can access regular financial statements which detail their investments, current values, contributions, fees, and expenses. Customers can also monitor their investments daily in online and mobile portals, so they are always up-to-date on their investment performance. Financial advisors in Lake Stevens are committed to complete transparency, providing customers with clear and concise information to help them make informed decisions about their investments.
Is there a minimum guaranteed return with a variable life insurance quote Lake Stevens?
Variable life insurance offered in Lake Stevens, WA provides a minimum guaranteed return in the form of the principal amount that you paid for the policy. Although the returns are not guaranteed to be above the principal amount, the minimum return provided by variable life insurance may make it a more attractive option for some investors in comparison to other investments with no guarantees. Moreover, as the market changes, there is the potential for your returns to increase significantly. To better understand whether variable life insurance is the right choice for you, it's important to speak with an experienced financial planner.
Yes, there are limitations on fund transfers within the Lake Stevens, WA policy. Specifically, residents are limited to making two electronic transfers or withdrawals per month. Each transfer or withdrawal is limited to six per statement cycle. Residents are also limited to making three checks per month, and each check is subject to a $5.00 fee. Additionally, the total amount of transfers and withdrawals per month cannot exceed six. Finally, withdrawals on shared accounts cannot exceed three per statement cycle.
Do variable life insurance policies near Lake Stevens provide guarantees on returns?
Variable life insurance offered through Lake Stevens, WA providers generally does not guarantee investment returns. Instead, the investments are at market risk and will fluctuate in value. However, for many policyholders, the reward of potentially higher returns is worth the risk of experiencing losses. To help manage the risk, Lake Stevens variable life insurance policies offer policyholders the ability to allocate their premium payments among a range of subaccounts with different risk profiles and time horizons to help meet their investors goals.
Does all variable life insurance in Lake Stevens offer the same investments?
No, not all variable life insurance policies offer the same investment options. In fact, what is available will depend on the Lake Stevens, WA provider. Generally speaking, there are typically four levels of investment options within variable life insurance policies, ranging from broad to limited, ranging from stocks, mutual funds, exchange-traded funds, bonds and money market funds. When selecting, it is important to know the investment objectives, risk tolerance and total reward potential of the chosen policy and its options in order to make the most appropriate decisions.
How does my Lake Stevens variable life insurance policy handle loan interest?
In Lake Stevens, WA, the interest on policy loan from variable life insurance is considered a qualifying life insurance policy. That means the interest earned from the policy loan is subject to favorable, tax deferred treatment, just like all other policy earnings and payments. Qualifying life insurance policies are based on the Internal Revenue Code Section 7702. Upon death, policy loan balances are subtracted from the death benefit before the beneficiaries would receive their disbursement. If the death benefit is exhausted pay the loan balance, the surplus is paid to beneficiary, minus applicable taxes.
What's the typical duration of terms with a Lake Stevens variable life insurance company?
The typical duration of a variable life insurance policy in Lake Stevens, WA depends on a variety of factors such as your current age, occupation, health status, and other personal factors. Generally, a variable life insurance policy can last anywhere between 10-30 years. In addition, there are provisions within variable life insurance for you to adjust the length of your policy based on the premiums you wish to pay or the benefit you would like to receive.
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