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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 Las Cruces, NM. 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 Las Cruces, NM.
Frequent Questions...
In Las Cruces, NM, the premiums for variable life insurance are not fixed. Premiums will depend on the performance of the sub-accounts making up the policy's investment portfolio. Variable life insurance offers more flexibility than fixed policies, because the underlying investments can change to best meet the policyholder's changing needs over time. Additionally, the policyholder can make adjustments to their policies to help them match their economic future and their changing goals, such as switching from one sub-account to another as the markets fluctuate.
Do variable life insurance quotes in Las Cruces come with a cash surrender value?
Yes, Variable Life Insurance has a cash surrender value in Las Cruces, NM. It offers the flexibility to choose investments from a mix of stocks, bonds, and other funds within the policy. This allows policyholders in Las Cruces to invest funds according to their individual goals and needs. When the policy is surrendered, the cash values accumulated in the policy are available for use, minus any surrender charges that may be imposed. Furthermore, holders of Variable Life Insurance are eligible for tax-deferred growth on the policy.
Can I withdraw or borrow from a variable life insurance policy Las Cruces?
In Las Cruces, NM, you may have the opportunity to withdraw or borrow from the cash value of a variable life insurance policy. Typically, this type of life insurance policy allows you to accumulate cash value over time, and typically, you can withdraw some or all of the cash value through policy loans or withdrawals. Variables such as the amount you can borrow on the policy and the cash value minimums may vary from provider to provider. Be sure to speak with your life insurance provider and discuss the terms of your policy with regards to borrowing or withdrawing from the cash value.
Do I need to understand investments for variable life insurance near Las Cruces?
Purchasing variable life insurance does not necessarily require expertise in investments, however, it's certainly beneficial to understand the risks associated with the policies available. While it's beneficial to consult a financial advisor for help determining which type of insurance policy might be right for you, it's important to understand that investing in certain life insurance policies in Las Cruces, NM involves risks that could result in the loss of some or all of your money invested. Therefore, it is important to be aware of the various associated risks before committing toward a variable life insurance policy.
What happens if my variable life insurance quote Las Cruces underperforms?
If your chosen investments perform poorly in Las Cruces, NM, there are options available to help recoup your losses. For example, you could consider diversifying your investments and balancing the risk across a variety of areas. You may also be able to consult with a financial professional in the area to discuss strategies for mitigating the losses. It's important to remember that investing comes with risks and rewards, so it's important to take the time to make well-informed decisions when selecting investments for your personal goals.
In Las Cruces, NM, the age restriction for purchasing variable life insurance depends on the carrier from which you purchase the policy. Generally, most carriers require the insured to be between 18 and 80 years old. In some cases, the insured's age at the time of death can determine the eligibility of the policyholder's beneficiary for payout. It's important to compare different plans to determine their eligibility age requirements and any other restrictions before signing the policy.
Do variable life insurance policies near Las Cruces provide guarantees on returns?
Variable life insurance can be an attractive option for individuals in Las Cruces, NM, due to the potential of higher returns than other life insurance investment options. However, unlike some policies, the investments in variable life insurance are not guaranteed by the insurance company and there is no guarantee on the investment returns. Instead, your earnings depend on the performance of your underlying investments within the policy, and you could experience losses as well as gains. It is important to weigh the cost and potential benefits carefully, taking into account your own risk tolerance and financial goals, when considering variable life insurance.
Can I change investment options for variable life insurance in Las Cruces without tax effects?
Yes, you can switch between investment options without triggering tax consequences in Las Cruces, NM as long as your investments are held inside of a qualified retirement plan or other tax-advantaged accounts. It is important to note that any earnings you receive from the investment options may still be liable for federal and state taxes, but switching between options will not incur any additional tax liability. You should also speak to a financial advisor in Las Cruces if you have questions about specific investments or procedures for switching investments.
How liquid is the cash value of my Las Cruces variable life insurance policy?
In Las Cruces, NM, the cash value of a variable life insurance policy is largely dependent on the amount of premiums paid and any investment returns the policy may accrue. It is also important to understand the conditions that may impact your policy's liquidity such as any riders or appropriate surrender fees applied by the insurance issuer. Generally speaking, variable life insurance policies will be more liquid than other policies since policyholders have the ability to access some of the account value; however, the structure of the policy itself and the amount of cash value built up will ultimately determine the exact amount of liquidity.
Does my Las Cruces variable life insurance company offer a grace period for premium payments?
Yes, many providers of Variable Life Insurance in Las Cruces, NM offer a grace period for premium payments. Typically, the amount of time allotted for a grace period is 31 days and enables policyholders the time needed to make a particular premium payment. It is important to note that while Variable Life Insurance companies offer grace periods in Las Cruces, NM, there may be consequences associated with late or missed payments such as the policy lapsing or a decrease in available cash value if the premium is not paid.
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