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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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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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Roy Stephens is a Variable Life Insurance agent licensed in your state.
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 Larkspur, CA.
Frequent Questions...
A variable life insurance policy in Larkspur, CA has two primary components: a death benefit and an investment component. The death benefit typically pays out a lump sum or a series of payments when the insured passes away, making it ideal for those with families they want to provide for upon their death. The investment portion of the policy allows the policyholder to have more control over their funds through the use of various stocks, bonds, mutual funds, and other investments directed by the policyholder. Overall, the policy allows you to obtain financial protection and also allows you to enjoy some investment options.
Can I cancel my policy after getting variable life insurance quotes in Larkspur?
Yes, you can cancel your variable life insurance policy in Larkspur, California. The exact process for doing so will depend on the insurer you've chosen; however, most companies have a standard process that you'll need to follow in order to officially cancel the policy. Generally, you'll need to contact the company to determine any applicable fees associated with canceling the policy, and provide a written notice detailing the date you'd like the policy to end. Upon cancellation, any premiums paid up to that point will typically be refunded, although it's best to verify that with the insurer.
What potential risks are there with a variable life insurance policy Larkspur?
Variable life insurance has the potential to provide a higher earning potential than traditional life insurance policies, but there are some risks to consider before investing. In Larkspur, CA, one of the primary potential risks associated with variable life insurance is a lack of guaranteed value. This means that the investment portion of the policy can decrease in value due to market conditions; if the value decreases dramatically the policy may not be worth the money paid into it.
What fees are there with variable life insurance near Larkspur?
In Larkspur, CA, fees associated with variable life insurance will vary based on the individual life insurer and the product purchased. Generally, policyholders can expect to pay a number of fees, including policy fees, mortality and expense charges, investment management fees, and administrative fees. Premiums can also vary depending on factors such as the type of coverage chosen, the amount of coverage desired, and the policyholder's age and health. It is important to research and compare different policies and understand any fees before making a decision.
Is there a minimum guaranteed return with a variable life insurance quote Larkspur?
Variable life insurance, offered in Larkspur, CA, does not automatically guarantee a minimum return. Instead, it allows you to allocate your premium payments among different investments, which could potentially offer a greater return than a policy with a fixed rate of return. Policy holders should research the investments that are available and have a general understanding of what their risks may be. The potential to make gains or losses depends on the performance of the investments and should be weighed before making such a commitment.
Yes, there are limitations on fund transfers within the policy for residents of Larkspur, CA. Depending on the specific fund, there are both dollar amount and frequency limits to any outgoing transfers. It is important to review the terms and conditions of the policy prior to any transfers and contact customer service, if needed. Additionally, applicable federal taxes may be deducted from all fund transfers and these must be accounted for when budgeting for transfers. These policies are in place in order to ensure compliance with relevant financial regulations and to guard against potential fraudulent activities.
How does cash value growth influence death benefit with variable life insurance policies near Larkspur?
Variable life insurance can be beneficial for residents of Larkspur, CA because its cash value growth can positively impact the death benefit. As cash value grows, the insurance policy holder can opt to increase the death benefits without having to increase the premiums. This can help policy holders ensure their families are taken care of financially in the event of an unexpected death. Variable life insurance policies can also offer flexible premium payments and allow you to borrow against the cash value, subject to certain restrictions.
How regularly should I check my variable life insurance in Larkspur?
In Larkspur, CA it is recommended that you review your variable life insurance policy on an annual basis. This will help ensure that your coverage meets your current financial situation and lifestyle. It is particularly important to review your policy if you have experienced a significant life change such as a job change, marriage, having a baby, or purchasing a home. It's also important to track your progress in understanding how your policy works and how it could benefit you in the future. All of this can be done with the assistance of a qualified insurance professional.
How does my Larkspur variable life insurance policy handle loan interest?
Policy loan interest on variable life insurance policies in the Larkspur, CA area is typically payable at the end of the policy's term, usually at the policy's maturity. Loan interest is effectively deducted from the policy's cash value, reducing the amount of available funds to purchase the policy's death benefit when the insured passes away. Policyholders may also have the option to pay the loan interest while the policy is in force to avoid having to pay all interest upon maturity.
Does my Larkspur variable life insurance company offer a grace period for premium payments?
Yes, Larkspur residents may be eligible for a grace period for premium payments in variable life insurance. Depending on your policy, some carriers may offer an extension of up to 30 days before a premium payment is due. You should contact your insurer for more details specific to your policy and to find out whether it offers a grace period. It is important to note that while a grace period may be available, any late payments may still incur a penalty.
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