Compare over 37 Variable Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Lanham, MD Variable Life Insurance policy providers in as little as 15 minutes. Save time. Save big. Get started now.
Find the perfect plan from over 37 providers
Your one-stop-shop to compare all the rates, all at once.
With PolicyHub you get:
Over 37 policy provider comparison.
Explore multiple policies from all the leading insurers and choose the one that fits your needs.
Locked in rate discount and exclusive deals.
Benefit from exclusive deals offered only to residents of your state, and lock in huge rate discounts.
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
ATTN: 2024 Variable Life Insurance rates just released!
Get the latest Variable Life Insurance rates for 2024 and lock in your policy today! Get started comparing policies right now.
Get the Variable Life Insurance plan with the cheapest rates in 3 easy steps.
Done in 3 easy steps
Step 1
Tell us about yourself.
Finding the perfect life insurance policy starts with answering a few questions to help us serve you better.
Step 2
Compare rates & plans.
Discuss your options with a licensed insurance agent. Compare plans to find the best policy & cheapest rates.
Step 3
Lock in cheap rates.
Secure the lowest rates and lock in the perfect life insurance policy for you and your family.
"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 Lanham, MD. 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.
Save time and get the best Variable Life Insurance policy with the cheapest rates. Guaranteed.
![]() |
Option 1 | Option 2 | ||
---|---|---|---|---|
100% Digital | ||||
Licensed Agents | ||||
Expert Support | ||||
Get Started in 15 minutes | ||||
Decades of Experience | ||||
Compare 37+ Providers | ||||
Zero Hidden Costs | ||||
Top Insurance Providers |
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 Lanham, MD.
Frequent Questions...
Variable life insurance policies are an attractive option for people in Lanham, MD because they offer the flexibility to customize the coverage according to the individual's needs and objectives. Unlike traditional life insurance policies, the primary benefit of a variable policy is that the cash value can be invested in stocks, bonds, and other securities, which can allow it to grow over time and provide potentially higher returns (however, as with any investment, there is risk associated with market fluctuation).
With variable life insurance quotes in Lanham, how is the beneficiary impacted by investment performance?
By investing in Lanham, MD, a beneficiary stands to benefit be gaining access to resources and amenities typical of a larger city and the opportunity to enjoy the benefits of living in a suburban location. By investing in Lanham, the potential returns on the initial investment are substantial. The appreciation of real estate in the area, the increasing number of businesses and development created by the ever increasing influx of people to the area and the growing availability of top rated schools, recreation and entertainment opportunities make rest assured the beneficiary is likely to benefit from their investment in Lanham.
What potential risks are there with a variable life insurance policy Lanham?
Residents of Lanham, MD should take into account that variable life insurance policies have certain potential risks. Market and interest rate fluctuations could result in a decrease in the policy's cash value, which in turn could reduce the amount of death benefit available. Also, by investing in separate accounts, policy owners can also assume investment risk if the account values decline, leading to potentially lower expected returns on the policy. There is also the risk of investing in subaccounts which do not have a past record of performance.
Do I need to understand investments for variable life insurance near Lanham?
In Lanham, MD you do not need to be an investment-savvy professional to purchase variable life insurance. Although there are certain risks associated with investing in variable life insurance products, they are typically managed by professional advisors and fund managers, which means you don't have to be an expert in finance and investing. Understanding the basics of variable life insurance and working with an experienced advisor in the Lanham area can help ensure that you are making the right investment decisions for your situation.
How does a variable life insurance quote Lanham handle dividends?
In the city of Lanham, MD dividends from variable life insurance policies are treated in the same manner as any other investment undertaking. The policyholder can choose to reinvest the dividend back into the policy to increase its value or take the money as income. Depending on the policy's terms and conditions, dividends accumulations might be subject to additional taxes and charges. It is important for a potential policyholder in Lanham to check with their insurance provider for more information about how their specific policy will treat dividends, as well as the associated risks, rewards and fees of investing in the policy before investing their money.
Variable life insurance can be suitable for short-term coverage needs in Lanham, MD, depending on the individual's financial goals and situation. For example, individuals who plan to move in a few years and may be subject to state tax consequences could consider a variable life insurance policy. This is because a variable life insurance policy provides flexibility to transfer funds within the policy's portfolio without penalty as the owner's financial circumstances change. Unlike some other types of insurance it doesn't have the surrender fees that may be an issue if the policyholder's needs change.
Do variable life insurance policies near Lanham provide guarantees on returns?
Variable life insurance in Lanham, MD is an attractive option for many because it offers a potential for competitive returns that are based on the performance of the marketplace, without guaranteeing a minimum return. Although there are no guarantees when it comes to investing, the rate of return on variable life insurance policies is usually good for those with high-risk tolerance, but could lead to a decrease in value with successive market downturns. Knowing the risks involved and understanding the policy details and contract guarantees can help you make a wise decision when considering variable life insurance in Lanham, MD.
Does all variable life insurance in Lanham offer the same investments?
No, not all variable life insurance policies offer the same investment options. In Lanham, MD and across the rest of the country policies can vary based on the insurer and type of variable life insurance policy. Typically, these policies provide access to professionally managed money market funds, stocks, bonds, and other investments. Be sure to research the specific options provided by the policy you're interested in to make sure the investments align with your goals.
How liquid is the cash value of my Lanham variable life insurance policy?
Variable life insurance policies provide cash value to policyholders in Lanham, MD that is accessible and liquid. Typically, policyholders can access the cash value by surrendering the policy or taking policy loans. Withdrawing money from the cash value reduces the death benefit and can have significant tax implications. In most cases, the surrender period in Lanham, MD should be considered before taking cash value from a variable life insurance policy. As a knowledgeable insurance provider in the Lanham area, we would be happy to answer any further questions you may have.
How do loans affect death benefits with my Lanham variable life insurance company?
Policy loans from variable life insurance can impact the death benefit in Lanham, MD in a variety of ways. Depending on the situation, taking out a policy loan can reduce the death benefit in the event of the policyholder's death. This is because the principal of the loan basically shrinks the pool of money available for the death benefit. Additionally, if the owner doesn't pay the loan back, the loan will accrue interest which can further reduce the death benefit amount.
Compare Lanham, MD Variable Life Insurance Policies
Get started today and compare over 37 Variable Life Insurance providers in as little as 15 minutes.
© 2024 PolicyHub - all rights reserved