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With PolicyHub you get to compare over 37 Lakeland, FL Variable Life Insurance policy providers in as little as 15 minutes. Save time. Save big. Get started now.
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Over 37 policy provider comparison.
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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
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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 Lakeland, 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
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 Lakeland, FL.
Frequent Questions...
In Lakeland, FL, variable life insurance premiums are very much dependent on the market’s performance. Depending on the policy, the cash value component of the premiums may be fixed and may be able to grow depending on the performance of the investments you have chosen to allocate the premiums towards. This option allows customers to adjust their policy’s cash values according to their own needs and objectives, and the cash invested is able to offer potential growth. However, it’s important to note that your premiums may not be fixed as they will depend on the performance of the investments.
Can I use my variable life insurance quotes in Lakeland as collateral?
While variable life insurance can't be used as collateral for a loan, there are many resources in Lakeland, FL that may help you with loan options. For instance, many financial institutions in Lakeland can provide financing options for a variety of needs. Additionally, there are government programs available such as grants, loans, and tax credits that may provide the financial assistance you're looking for. Ultimately, it's important to conduct research for the best possible financing solutions to meet your needs.
With a variable life insurance policy Lakeland, can I decide where my premiums are invested?
With variable life insurance, policyholders in Lakeland, FL, have the opportunity to customize their investments according to their individual goals. From stocks to bonds, you have the flexibility to select your investments and accompany them with an instruction allocation strategy, tailored to meet your needs. With a local financial advisor, you can review your portfolios and balance changes to ensure your investments are performing up to your standards and still meeting your goals.
How often can I modify my investments in variable life insurance near Lakeland?
In Lakeland, Florida, you can change your variable life insurance investment choices as often as you like, provided that you stay within your State's rules and regulations. Generally, you can make changes to your variable life policy once every year. This way, you'll be able to keep up with the markets or switch your investments to take advantage of returns in certain investments. It's important to speak with a financial advisor to make sure all of your changes are appropriate and legal.
Can I include riders in my variable life insurance quote Lakeland?
Yes, you can add riders to your variable life insurance policy in Lakeland, FL. Many term policies allow you to customize your coverage with additional riders. Some of the most common riders available in Lakeland are waiver of premium, accelerated death benefit, child term rider and critical illness benefit. These riders can provide you with added coverage, which may protect your loved ones in the event of your death. Check with your insurer to find out which riders are available in Lakeland, FL.
In Lakeland, FL, the death benefit associated with an investment can vary depending on its performance. Generally, the death benefit is paid out upon the death of the account holder, and is typically made up of the account's balance when the account holder passed away plus applicable interest. The level of performance of the investment may change this figure as higher yields can lead to higher payouts. Depending on the terms of the agreement, borrowers may also be eligible for a death benefit even when the investment has not performed, although the amount paid may be lower.
Can I upgrade variable life insurance policies near Lakeland to another policy type?
Yes, you can upgrade your variable life insurance policy in the Lakeland, FL area. At [Name of Business], we understand that life changes and your insurance needs may change throughout the years. We offer a variety of policies to best fit your individual situation and can adjust or upgrade your policy to ensure that you're getting the most out of your investment. Our knowledgeable team is here to make sure that you get the coverage you need at a price that fits your budget.
Does all variable life insurance in Lakeland offer the same investments?
No, not all variable life insurance policies offer the same investment options. In fact, the options available to individuals and families in the Lakeland, FL area vary depending on the company offering the policy. Many policies are available with a range of options, from stocks and bonds to mutual funds and money markets, while some policies allow for more specialized investments such as commodities and real estate investment trusts. It is important to carefully research the available investment options when considering a variable life insurance policy in Lakeland, FL, so that the best choice can be made by each individual or family.
How does my Lakeland variable life insurance policy handle loan interest?
The policy loan interest for variable life insurance in Lakeland, FL is calculated as a percentage of the amount being borrowed, and is compounded on a daily basis. The interest is then subtracted from the policy loan balance. Any unpaid interest will accrue within the policy loan and become part of the policy loan balance. This means that the higher the policy loan balance, the more interest you will need to pay interest on the interest so it's important to look at a plan's policy loan features carefully before taking out a loan.
How do loans affect death benefits with my Lakeland variable life insurance company?
In Lakeland, FL, policy loans from variable life insurance can have both a positive and negative impact on the death benefit. If the policyowner pays back the loan during their lifetime, the death benefit will not be affected. However, if the policyowner is not able to pay back the loan in full, the policyowner's beneficiaries will receive the death benefit minus the amount remaining on the loan at the time of the policyowner's death. It's important to consider the repayment schedule of the loan to ensure that the death benefit is not negatively impacted.
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