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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 Lansdowne, PA. 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
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Mark Sidway
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Mark Sidway is a Variable Life Insurance agent licensed in your state.
Cale Reeves
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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 Lansdowne, PA.
Frequent Questions...
Variable life insurance policies are different from other life insurance policies in Lansdowne, PA in that they give policyholders greater control over the way their death benefit is invested. Variable life insurance policies provide policyholders with the option to invest their cash value in a variety of equity and fixed-income investments, such as stocks and bonds, which allows them to potentially have a higher rate of return than other life insurance policies. The downside to variable life insurance is that, unlike other life insurance policies, the insured is exposed to the risks associated with stock market investments.
Do variable life insurance quotes in Lansdowne come with a cash surrender value?
Variable life insurance in Lansdowne, PA provides policyholders with a cash surrender value, which will depend on the cash accumulation available in the separate investment account associated with the policy. This cash accumulation, which grows over time according to the performance of any investment options chosen by the policyholder, can be accessed through partial or full surrender of the policy. It's important to note that surrenders can come with penalties and tax implications so it's wise to consult with an insurance professional to determine the right course of action.
Can I withdraw or borrow from a variable life insurance policy Lansdowne?
Yes,there are certain restrictions in place, but you can often withdraw or borrow from the cash value of your variable life insurance policy in Lansdowne, PA. Generally, if you have sufficient cash value, you can withdraw, loan, or both from the amount you have accrued in your policy. Consult your agent about any limits or restrictions that may exist in your particular policy, and bear in mind that you may have to pay taxes on any withdrawals you make. Generally, withdrawing or borrowing from the cash value of your policy may reduce the death benefit.
What fees are there with variable life insurance near Lansdowne?
The fees associated with variable life insurance in Lansdowne, PA will vary from provider to provider. Typically, you can expect charges similar to those of other types of life insurance, such as policy fees, premiums, and additional charges for riders and riders that guarantee a minimum death benefit. Additionally, there may be investment management fees associated with investments in the underlying separate accounts, as well as administrative fees. It will be important to compare the fees offered by different insurance providers to make sure that you get the best deal.
How does a variable life insurance quote Lansdowne handle dividends?
In Lansdowne, PA, dividends from variable life insurance are typically treated as a transferable credit that can be used to reduce premiums, provide additional term life or cash value insurance coverage, or to purchase additional paid-up insurance. Dividend payouts can also be used to offset policyholders’ expenses such as the cost of policy loans or withdrawals. In some cases, policyholders may even be able to use dividend payments to increase the cash value of their policy. Depending on the policyholder’s individual circumstances, they may have various options for using their variable life insurance dividends.
Variable life insurance offers numerous benefits to Lansdowne, PA families looking for financial protection and stability. It provides a death benefit for a much longer time than many other types of life insurance, helping protect your loved ones for years into the future. The cash value in a variable life insurance policy also accumulates tax-deferred, allowing policyholders to invest in the stock market or other avenues. This means that Lansdowne residents can build their wealth while taking advantage of the life insurance coverage and protection.
Do variable life insurance policies near Lansdowne provide guarantees on returns?
Variable life insurance offered by Lansdowne-based insurers guarantees the policyholder a minimum death benefit, but it does not guarantee any specific investment returns. Policyholders can access the funds in their account for withdrawals, but it is important to note that variable life insurance is not FDIC-insured. Instead, the policyholder should expect returns that may equal, but could also exceed or fall short of the returns of their underlying investments. The gains and losses experienced on the investments in their account are all subject to market risk and fluctuate based on the performance of the investments.
Does all variable life insurance in Lansdowne offer the same investments?
No, not all variable life insurance policies offer the same investment options. In fact, each policyholder typically has access to a variety of options tailored to their individual needs and objectives. At Lansdowne, PA-based Guardian Insurance & Annuity Company, Inc., consumers have access to more than 100 mutual funds to choose from, including funds from top asset management companies and specialty fund families. Guardian makes it easy to find a fund that perfectly meets the needs of their clients.
Is the cash value in my Lansdowne variable life insurance policy safe from creditors?
In Lansdowne, Pennsylvania, it is important to protect your assets. Variable life insurance provides cash value that is protected from creditors, meaning it cannot be accessed to satisfy debts in the event of bankruptcy or other financial misfortunes. This makes it an attractive way to secure your financial future and ensure that your assets remain safe and available when they are needed. Variable life insurance policies have the added benefit of providing an additional tax-sheltered space for savings.
Does my Lansdowne variable life insurance company offer a grace period for premium payments?
At Lansdowne, Pennsylvania, our Variable Life Insurance policy holders are eligible for a grace period with respect to premium payments. If premium payments are received past the due date, policyholders can still enjoy a sixty day grace period and are protected from any cancellation or forfeiture of the policy. If premium payments are not received by the end of the grace period, the policy may be cancelled and no further coverage will be provided. To ensure the full benefits of the policy remain in effect, premium payments should be received on time.
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