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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 Laurel, MS. 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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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 Laurel, MS.
Frequent Questions...
Laurel, Mississippi residents should consider purchasing variable life insurance if they want to make sure their family is protected for the long-term. Variable life insurance policies offer a death benefit that pays out after the insured's death, along with customizable premiums, return rate and cash values. With variable life insurance, the returns are largely dependent on how well the stock market is doing, so it's ideal for investors that are comfortable with the risk that comes with investing.
Do variable life insurance quotes in Laurel come with a cash surrender value?
Yes, variable life insurance does have a cash surrender value. For policyholders in Laurel, MS, this value can be accessed and used however the policyholder chooses. Additionally, the money held in this cash value can be borrowed against, providing a convenient source of liquidity for many Laurel residents looking to make a large purchase or cover unexpected expenses. Furthermore, many variable life insurance policies are able to cover enrolleesโ premium payments if the cash value balance is sufficient, meaning the coverage can be sustained with no additional costs to the policyholder.
How does the cash value work for a variable life insurance policy Laurel?
Variable life insurance in Laurel, MS offers a way to add a supplementary cash value component to its policy. This works in a similar way to a savings or investment account, in that money from your premium payments is put aside into an account for you to access if you need to. This cash value can be used to help pay the premiums for the policy and, in some cases, used for other purposes. Depending on the policy, it can also earn interest so that the amount stored away will continuously grow.
How often can I modify my investments in variable life insurance near Laurel?
In Laurel, MS, the frequency with which policyholders can change their investment choices for variable life insurance will depend on the specific policy and insurance carrier. Generally, policyholders may be able to make any changes on an annual basis or even more frequently. It is important to consult with your insurance provider for specific information regarding time frames for investment changes with your policy.
How does a variable life insurance quote Laurel handle dividends?
In Laurel, MS, dividends that are issued as part of a variable life insurance policy will generally go towards providing the policyholder with additional coverage and in some cases can even be used to reduce the policyholder's overall premium payments. In addition, the dividends can be used to purchase additional shares in the insurer's underlying investment portfolio, allowing policyholders to potentially increase their overall savings and gains over time. It is important to keep in mind that dividends may vary significantly depending on the performance and stability of the insurer and the related investments, so this should always be factored into the overall portfolio decisions.
Variable life insurance could be a suitable option for short-term coverage needs depending on Laurel, MS resident's individual situation and goals. This type of policy offers both death benefit protection and the potential to accumulate cash value over time; however, it generally isn't recommended for short-term protection needs. If a Laurel, MS resident desires short-term coverage for their family or beneficiaries, term life insurance may be the best option. Term life insurance provides pure death benefit coverage, is generally more cost-effective, and is customizable depending on the duration of coverage.
How flexible are premium payments for variable life insurance policies near Laurel?
In terms of flexibility for premium payments for variable life insurance, Laurel, MS residents have plenty of options. Depending on the individual's financial situation, payments for this type of coverage may be made on a monthly, quarterly, semiannual or annual basis. Additionally, customers may choose to pay premiums up front or set up an automatic withdrawal from their bank account. Furthermore, for those who cannot make the full payment, variable life insurance often allows for the payment of premiums in installments.
How can I monitor performance of my variable life insurance in Laurel?
In Laurel, MS, you can track the investment performance of your variable life insurance using an analytics app such as Wealthvis. This comprehensive platform includes performance analytics and offers real-time tracking of data related to entire insurance portfolios. All of the historic and future performance information is presented in easy-to-read formats, enabling categorized and personalized views. Wealthvis also provides benchmarking and goal tracking to enable users to make more informed decisions about their investments.
How does my Laurel variable life insurance policy handle loan interest?
When it comes to variable life insurance policy loans in Laurel, MS, the interest is treated like any other loan, such as a car loan or credit card debt. The loan balance that accumulates from unpaid interest is added to the outstanding loan balance. It's important to note that any unpaid interest is subject to taxes and can impact the policy's cash value. For this reason, it's important to be aware of the policy loan interest rate and budget accordingly for future payments.
Do I get dividends from my Laurel variable life insurance company?
Whether or not you receive dividends from investments within your variable life insurance policy depends on the policy you purchase and the plan you choose in Laurel, MS. Some policies will include dividends paid directly to the policyholder, while others may use those dividends for additional contributions to the policy or to reduce premiums. Speak to your insurance professional to learn more about the specific dividends offered by the variable life insurance policies available in Laurel, MS.
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