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With PolicyHub you get to compare over 37 Lakewood, CO 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 Lakewood, CO. 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 Lakewood, CO.
Frequent Questions...
Variable life insurance is a type of permanent life insurance available in Lakewood, CO that offers people the ability to grow their policy’s cash value over time. It combines a death benefit with an investment component, giving policyholders the ability to adjust their coverage amounts, customize their investments, and potentially earn returns on their policy’s cash value. In Lakewood, CO, with variable life insurance, the policyholder has control over how much of their money they want to put into the investment component, and any earnings received will be added to the policy’s cash value.
Are there early withdrawal penalties for variable life insurance quotes in Lakewood?
Yes, there may be penalties for early withdrawal from the cash value in Lakewood, CO. To understand if there is a penalty associated with the withdrawal, a person should contact their financial provider for exact details. Some providers charge fees or penalties for any withdrawals before the life insurance policy is fully mature, so it's important to determine if early withdrawal is a feasible option. Additionally, the age of the policy and the number of payments made would also be a factor in the penalties associated with an early withdrawal.
Can I withdraw or borrow from a variable life insurance policy Lakewood?
Yes, in most cases you can withdraw or borrow from the cash value of your variable life insurance policy if you live in Lakewood, CO. Generally, you can decline dividends you would receive to pay off the loan from the cash value or take out a loan on your policy. To do so, you must meet a few requirements and depending on the policy, you may have to pay interest and charges. In many policies, you do not have to pass a medical exam, and you receive the loan money or cash quickly.
How transparent is the investment performance of variable life insurance near Lakewood?
At Lakewood, CO, the investment performance in variable life insurance is very transparent. Clients and investors have access to detailed information about each variable life insurance fund, including its past and current performance, frequency of reporting, risk metrics, fees and charges, and other relevant data. Clients are also able to access their funds remotely anytime and make changes to their policies as needed. This level of transparency allows clients to make informed decisions about their investments and allows them to track their investment performance in real-time.
Can I include riders in my variable life insurance quote Lakewood?
Yes, riders can be added to your variable life insurance policy in Lakewood, CO. Riders are options that are added to your policy to provide additional benefits and protections. Some common riders you can add to your policy may include accidental death benefit, disability income, long-term care, inflation protection, child term riders and more. Speak with a knowledgeable insurance professional in Lakewood to discuss your options and determine which riders are best for your needs.
Variable life insurance can be advantageous for short-term coverage needs for residents in Lakewood, CO, as it provides tax-deferred growth and allows policyholders to adjust the level of their coverage as their needs or circumstances change. With variable life insurance, policyholders in Lakewood, CO have the option to customize their policy by choosing how their contributions are allocated, providing more control and the potential for greater return on their investment. Additionally, variable life insurance offers a range of access options to premium payments as well as the opportunity to add riders and other features for additional flexibility.
Do variable life insurance policies near Lakewood provide guarantees on returns?
Variable life insurance offers the potential for greater returns than a traditional whole life insurance policy, however it is important to note that there are no guarantees on investment returns with variable life insurance. In Lakewood, Colorado, residents have access to a range of financial advisors and insurance providers that can help them assess their personal risk profile and goals in order to select the most suitable life insurance policy for them. Finding a financial advisor to consult with can be a helpful way to ensure you make an informed decision on what type of life insurance is best for you.
Does all variable life insurance in Lakewood offer the same investments?
No, variable life insurance policies do not necessarily offer the same investment options. This will depend on the particular policy and provider. For residents of Lakewood, CO, there are a variety of life insurance providers available that offer variable life insurance policies with unique investment options tailored to individual needs and goals. It is important to research the specific investment options offered by your preferred provider to ensure that your variable life insurance policy is meeting your needs.
How does my Lakewood variable life insurance policy handle loan interest?
In Lakewood, CO, policy loan interest associated with variable life insurance policies is typically disbursed to the policy holder upon policy maturity. The policy holder will need to report this interest as taxable income when filing their taxes, as policy loan interest is treated as a taxable event for federal tax purposes. For those looking to avoid the tax implications associated with policy loan interest, it may be beneficial to explore non-variable policies, such as whole life or universal life insurance.
Do I get dividends from my Lakewood variable life insurance company?
It depends on the type of variable life insurance you have in Lakewood, CO. Generally speaking, some policies reward policyholders with dividend payments, while others do not. If your policy does pay dividends, typically these are generated from any investment earnings within the policy. It's important to review your policy details to determine what investments it includes, and whether dividends are paid out, before investing.
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