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With PolicyHub you get to compare over 37 Lakewood, 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.
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 Lakewood, 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
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, WA.
Frequent Questions...
In Lakewood, WA, variable life insurance premiums are not fixed. They are dynamic and determined by the performance of the separate accounts that are selected for your policy's structure. If the investments in the separate accounts show highs, your premiums can remain very low or even be minimal, but if the investments show lows, your premiums may be higher to keep your policy in effect. In Lakewood, variable life insurance premiums can change over time as investments fluctuate, so policyholders should be prepared for changes in the premium.
Can I use my variable life insurance quotes in Lakewood as collateral?
In Lakewood, WA, variable life insurance can potentially be used as collateral for a loan with certain restrictions. Ultimately, it will depend on the requirements of the lender and the specific conditions of the loan. State regulations, licensing, and fees may also come into play. If you are interested in using variable life insurance as collateral for a loan in Lakewood, WA, it's important to fully understand and comply with all relevant rules and regulations. Doing so will help to ensure that the process of using variable life insurance as collateral proceeds successfully and in a legally compliant manner.
Can I withdraw or borrow from a variable life insurance policy Lakewood?
The answer to your question depends on the type of variable life insurance policy you have in Lakewood, WA. Generally, most permanent life insurance policies may allow you to borrow or withdraw against the cash value, however other types of policies may not. It is important to review the specific details of your policy or contact a representative in Lakewood to determine if and how you may be able to withdraw or borrow from the cash value of your variable life insurance policy.
Is there a death benefit guarantee with variable life insurance near Lakewood?
Yes! Residents in Lakewood, Washington can take advantage of a guaranteed death benefit with variable life insurance. This type of policy typically offers the policyholder more than just a basic death benefit and can also provide cash value as the premiums are invested and grow over time. With a guaranteed death benefit, you can have peace of mind knowing that your loved ones will be taken care of in the event of your passing, no matter how the value of your policy fluctuates. Variable life insurance provides a great option for those looking for a solid, reliable life insurance solution here in Lakewood.
Can I include riders in my variable life insurance quote Lakewood?
In Lakewood, WA it is possible to add riders to your variable life insurance policy. Typically riders can offer policyholders added protection by providing additional benefits such as long-term care, disability, and terminal illness benefits. Riders may also provide additional protection, such as a Guaranteed Insurability Rider that allows for an increase in life insurance coverage without needing to qualify medically. Speak with your local insurance agent to learn more about rider options available in Lakewood, WA.
In general, the death benefit of an investment in Lakewood, WA will vary depending on the performance of the particular investment. If the investment performs well over the long term, the death benefit can increase as the investment yields returns. Conversely, if the investment does poorly, the death benefit may decrease. Consequently, investments should be carefully researched and chosen, and continually monitored, to ensure that the death benefit is maximized.
Can I upgrade variable life insurance policies near Lakewood to another policy type?
In Lakewood, WA, you may be able to upgrade your variable life insurance to a permanent life insurance policy. This type of policy may provide you with benefits such as lifelong coverage, your ability to borrow against your policy's value, and a death benefit that your beneficiaries would receive upon your passing. Depending on your circumstances, you may have to provide the insurer with additional medical evidence and go through medical underwriting before the change is made. Contact your local insurance provider to discuss the options and to learn more about the benefits of upgrading your policy.
How can I monitor performance of my variable life insurance in Lakewood?
Investing in a variable life insurance policy with the help of a financial advisor in Lakewood, WA is an excellent way to track your investment performance. Your advisor can help you create a plan tailored to meet your unique financial goals and objectives. Your advisor can monitor performance, analyze results, and provide you with regular updates so that you are aware of the current value of your portfolio. Your advisor can also make recommendations on which securities to buy or sell in order to adjust your overall portfolio to meet your changing needs.
Is the cash value in my Lakewood variable life insurance policy safe from creditors?
In Lakewood, WA, cash values of variable life insurance policies may be protected from creditors, depending on the situation. The Protection of Public Assistance Benefits Act of 1987 (PPAA) provides a broad set of protection for cash values within life insurance contracts. That being said, this protection only applies to individuals who are a recipient of public assistance benefits, such as Washington State's Apple Health or Aged, Blind, and Disabled (ABD) programs.
Does my Lakewood variable life insurance company offer a grace period for premium payments?
Yes, there is a grace period for premium payments on variable life insurance policies here in Lakewood, WA. The grace period is usually anywhere from 10-30 days after the due date. After this period has ended, the insurance company may assess a late fee or cancel the policy for non-payment. It is recommended that customers manage their payments to keep up-to-date with premium payments to avoid any additional expenses or policy cancellation. For more detailed information, customers should consult their policy or contact their Life insurance agent to help them understand their current policy.
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