Compare over 37 Variable Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Lawton, OK 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 Lawton, OK. 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 Lawton, OK.
Frequent Questions...
Lawton, OK residents who seek comprehensive life insurance coverage and financial flexibility might find value in purchasing variable life insurance. Variable life insurance policies offer many benefits, such as the ability to invest funds as one wishes and participate in the stock market, as well as access to death benefits. Additionally, those who may want to insure their estate, protect loved ones, or make major purchases in the future should also consider variable life insurance.
Can I cancel my policy after getting variable life insurance quotes in Lawton?
Yes, you can cancel your variable life insurance policy in Lawton, Oklahoma. The cancellation process varies depending upon the insurance provider you are working with. In most cases, you can submit a written request to your insurer that states you are cancelling your policy and that you are waiving your right of any future benefit from the policy. You should then receive written confirmation that your policy has been cancelled and your premiums have been stopped. Depending upon your policy, you may be able to receive a partial refund for the premiums you've already paid.
How does the cash value work for a variable life insurance policy Lawton?
The cash value component of variable life insurance in Lawton, Oklahoma works similarly to other types of life insurance. The policyholder pays a premium that builds a cash value balance over time. The cash value can be accessed to make premium payments or withdrawals of cash. The policy holder's cash value balance grows with earnings from the insurance company's separate investments that are outside of the life insurance policy. This growth potential can provide policy holders with access to funds in the future and sometimes even the benefit of tax-deferred growth.
What fees are there with variable life insurance near Lawton?
In Lawton, Oklahoma, the fees associated with variable life insurance vary depending on the policy. Fees may include initial set-up costs, administration fees, annual renewal fees, and possibly additional fees. Before purchasing a variable life insurance policy, it is important to take the time to thoroughly research the policy and understand what fees are associated with it. Additionally, consultation with a financial advisor or insurance agent familiar with the product and local laws is advisable to assure that the policy fits the needs of the individual customer.
How does a variable life insurance quote Lawton handle dividends?
In Lawton, OK, dividends from variable life insurance policies are treated as taxable income and must be reported to the IRS. In most cases, the dividends that are earned are re-invested back into the policy, which helps to maintain a low level of premiums, making this type of life insurance an attractive option for many in the Lawton, Oklahoma area. These dividends may also be used to purchase additional permanent life insurance coverage on the contract or taken out as a cash disbursement.
Variable life insurance may not be the most suitable option for short-term coverage needs in Lawton, OK. This type of insurance is best for individuals looking for flexibility with their premiums, with the potential of a greater return on their investment in the long run. Although some variable life insurance policies offer more cost-effective protection for a limited period of time, they may not be the best fit for those aiming to cover their immediate, short-term coverage needs.
Do variable life insurance policies near Lawton provide guarantees on returns?
Variable life insurance policies offer the potential for higher returns than traditional life insurance policies, but there are no guarantees associated with them. In Lawton, OK, variable life insurance gives policyholders the capability to choose from a variety of investment strategies and select from a broad range of sub-accounts such as stocks, bonds, mutual funds, and other options. However, the policyholder should keep in mind that the value of those investments is not guaranteed and may fluctuate. Nevertheless, when implemented properly, variable life insurance can provide an opportunity to reach financial goals and create long-term financial security.
Can I change investment options for variable life insurance in Lawton without tax effects?
In Lawton, OK, you can switch between investment options without tax implications, though it is important to consider that each option may have different fees and rules for selling and transferring. In particular, you should check with a financial advisor about all the relevant details before making a switch. Though not all investment options come with the same taxation rules, most commonly investing in individual stocks, bonds, mutual funds and ETFs (Exchange Traded Funds) will not carry any consequences from the IRS.
How liquid is the cash value of my Lawton variable life insurance policy?
In Lawton, OK, the cash value of a variable life insurance policy will depend on the amount of premium payments made, the performance of the policy's investments, and the policy's contract provisions. Generally, if the policy remains in force, the policy's cash value may be surrendered for its full amount, with no surrender charge or any income tax consequences. There is the option to withdraw all or part of the policy's cash value, however, depending on the policy's terms, there may be some surrender charges, taxes, or a reduction in the benefits or death benefit.
How do loans affect death benefits with my Lawton variable life insurance company?
Policy loans from variable life insurance can significantly reduce the death benefit available to beneficiaries in Lawton, Oklahoma. Depending on the amount of the loan borrowed and the amount of interest paid, the life insurance death benefit can be reduced or even eliminated. In such a case, beneficiaries will not receive the full death benefit that was specified in the life insurance policy. For this reason, it is important to understand how policy loans can affect the life insurance death benefit, and borrowers should use caution when considering taking out a loan.
Compare Lawton, OK 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