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Compare over 37 Variable Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Lakeland Highlands, 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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Step 2
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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 Lakeland Highlands, 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 Highlands, FL.
Frequent Questions...
Variable life insurance policies in Lakeland Highlands, FL are designed to offer maximum coverage protection while also providing the policyholder with the flexibility to determine how their policy grows. The primary components of these policies include the death benefit, cash value accumulation, and flexible premium options. The death benefit is a lump sum of money paid out to a predetermined beneficiary should the insured pass away during the coverage period. Cash value accumulation allows the policyholder to grow their money over time based on the current investment performance of the policy.
Can I use my variable life insurance quotes in Lakeland Highlands as collateral?
Even though variable life insurance can be used as collateral for a loan, it is not suggested due to its higher risk. In Lakeland Highlands, FL, most lenders prefer to use unsecured personal loans or a home equity loan as a collateral, as they tend to be less volatile investments than a variable life insurance policy. Talk to a credible financial professional in the area to learn more about your investment and loan options.
With a variable life insurance policy Lakeland Highlands, can I decide where my premiums are invested?
Yes, you can choose where your premiums are invested with variable life insurance in Lakeland Highlands, FL. There are various investment options available depending on your goals and preferences. You can choose if you'd like to diversify your investments across a number of different asset classes or you could opt to focus your capital in one asset class like bonds, stocks, or real estate. Your agent will help you to review your choices to make sure you're selecting the best option for your financial goals.
How often can I modify my investments in variable life insurance near Lakeland Highlands?
At Lakeland Highlands, FL you can change your investment choices with variable life insurance as often as you deem necessary. This can be done for any investment option you have selected and during any time of the year. With regular converter and adjustable life policies, the policyholder can make a change at anytime within the payment cycle. As with any life insurance policy it is best to speak with a representative of your life insurance company to make sure your policy allows for changing your investment choices and discuss the fees associated with such changes.
What are the surrender fees for a variable life insurance quote Lakeland Highlands?
In Lakeland Highlands, FL, the surrender charges for variable life insurance vary depending on the insurance company. If you are in the area, it is best to reach out to a local insurance agency to get the most up-to-date information regarding surrender charges. Generally speaking, the charges reduce over time, but they may still be substantial for the first several years of the policy. It is also important to note that the variable policies are subject to investment risks, including possible loss of principal value. Therefore, it is important to research thoroughly before making any decisions.
Yes, there are age restrictions when buying variable life insurance in Lakeland Highlands, FL. Generally, individuals can purchase variable life insurance policies between the ages of 18 and 85 depending on the carrier. Some carriers may include additional age limits, so it is important to check this before purchasing. In addition, some life insurance providers may also have other requirements such as having established medical history before coverage is provided. Since laws and regulations may vary by state, it is important to speak to a licensed insurance provider in Lakeland Highlands, FL to determine the minimum age requirement for obtaining a variable life insurance policy.
Do variable life insurance policies near Lakeland Highlands provide guarantees on returns?
Variable life insurance in Lakeland Highlands, FL offers policyholders the exclusive benefit of excellent growth potential through investments, however, it is important to note that there are no guarantees on returns. At the same time, variable life insurance policies provide great flexibility – enabling policyholders to decide how to allocate their own resources according to their own risk profile. Additionally, in many cases, these policies allow policyholders to access their accumulated cash values without consequence. As an extra bonus, these versatile policies also enable policyholders to provide better coverage for their beneficiaries, as well as ever-evolving financial support.
How can I monitor performance of my variable life insurance in Lakeland Highlands?
Individuals living in Lakeland Highlands, FL interested in tracking the investment performance of their variable life insurance can visit their local financial expert. They can provide insight into what documentation needs to be organized and the processes necessary to effectively track and monitor the performance of their insurance investments. Additionally, they can provide information on any available resources, such as investment analysis tools or online accounts which can assist in tracking their investments. With the help of a financial expert, it's easy to develop a plan allowing you to consistently monitor your investments and modify according to your goals.
How liquid is the cash value of my Lakeland Highlands variable life insurance policy?
The amount of liquidity in a variable life insurance policy depends on the insurance provider you choose in Lakeland Highlands, Florida. Typically, cash values are 100% accessible if you choose to cash in your policy, but if there are added riders or investment options available, the policy might not be as liquid and you could incur surrender charges if you cash in early. Additionally, the amount of liquidity you have available will depend on how much you have actually contributed to the policy and the terms of the insurer which are specific to Lakeland Highlands, FL.
What's the typical duration of terms with a Lakeland Highlands variable life insurance company?
In Lakeland Highlands, FL, the typical duration of a variable life insurance policy can vary depending on the policy chosen. Generally speaking, these policies tend to have flexibility in terms of length, ranging from term life insurance (which can last for 10, 15, 20, 25, or 30 years) to permanent life insurance (which can last for years, decades, or even an entire lifetime). The key to finding the perfect coverage for you and your family is to assess your current needs and financial goals, to determine what type of policy and duration best suits those needs.
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