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With PolicyHub you get to compare over 37 Lewisville, NC Variable Life Insurance policy providers in as little as 15 minutes. Save time. Save big. Get started now.
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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 Lewisville, NC. 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
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 Lewisville, NC.
Frequent Questions...
Anyone who lives in Lewisville, NC who wants long-term financial security along with potential cash value growth and flexibility would benefit from considering variable life insurance. This type of policy is ideal for individuals looking for tax-deferred savings to complement their overall retirement planning or those who are looking for life insurance coverage with the ability to modify premiums and payouts. Variable life insurance allows the policyholder flexibility when choosing the investments for the policy, as well as the potential for gains from stock market upside.
With variable life insurance quotes in Lewisville, how is the beneficiary impacted by investment performance?
Beneficiaries of investments in Lewisville, NC can be heavily affected by investment performance. The return on these investments can determine whether their goals for retirement, education savings, and other financial objectives are met. Furthermore, a beneficiary's need for expenses such as long-term care or other medical care will be impacted by the amount of money available from the investment and the kind of returns it provides. Having a suitable investment that yields the right results can help to ensure the beneficiary's goals are realized.
What are the tax aspects of a variable life insurance policy Lewisville?
Tax implications of variable life insurance should be carefully considered, especially if purchased in Lewisville, North Carolina. With any life insurance, the death benefit proceeds are income tax-free, however interest and withdrawals subject to the Internal Revenue Service may impose taxes upon the proceeds. Premiums paid to variable life insurance, on the other hand, are after-tax, so there's no immediate tax deduction as you'd find with traditional (whole or term) life insurance policies. Capital gains and dividends earned within the policy are also subject to taxation.
Do I need to understand investments for variable life insurance near Lewisville?
Purchasing variable life insurance in Lewisville, NC does not require being investment-savvy. This type of life insurance provides the option to make various investments with the policy, such as stocks and bonds, but this is completely optional. Working with a trusted life insurance provider and financial advisor in the area can help you make informed decisions when it comes to selecting the right life insurance plan. With the right combination of support and education, even those who feel they are not investments-savvy should feel comfortable enough to make the best choice for themselves and their families.
What happens if my variable life insurance quote Lewisville underperforms?
If your chosen investments in or near Lewisville, NC, are performing poorly, you may want to look into different investment opportunities in the area, or seek out the advice of a professional financial consultant. You might also take proactive steps to protect your investments with stops or hedges, or look into creating a more diversified portfolio in order to spread the risk. You should also stay up-to-date on the latest trends in the economy and the financial markets, since these indicators can help you with future investments.
Lewisville, NC families can find important benefits in purchasing Variable Life Insurance. These plans are designed to be flexible and allow policyholders to customize their coverage and benefits based on their individual needs. Additionally, Variable Life Insurance policies provide a death benefit that can give policyholders and their families peace of mind in knowing that they will be financially secure in times of need. The policy also allows policyholders to use their premiums wisely by investing in stocks, bonds, mutual funds, and other investments.
How does cash value growth influence death benefit with variable life insurance policies near Lewisville?
Variable life insurance in Lewisville, NC offers higher potential cash value growth than most other life insurance policies. The cash value growth in this type of policy can impact the death benefit by increasing the sum that your beneficiaries will receive. This type of life insurance, in particular, is beneficial because cash value growth is not only tax-deferred but may even be withdrawn at any time without incurring taxes or penalties. Additionally, the policies also provide flexibility – you can vary your level of coverage and premium contributions without having to surrender the policy.
How regularly should I check my variable life insurance in Lewisville?
It is important to review your variable life insurance policy regularly at least once a year. An experienced life insurance agent in Lewisville, NC can help you fully understand your current coverage and work with you to determine if adjustments to the policy are needed in order to meet your changing needs. A review of your policy can help you make sure that you and your loved ones are protected and that you are getting the most out of your policy.
How does my Lewisville variable life insurance policy handle loan interest?
In Lewisville, North Carolina, those with variable life insurance policies may borrow against the cash value of their policy as long as the cash value is sufficient to provide the loan. Typically, the loan is repaid from the policy's death benefit, and the interest is added to the loaned amount, making borrowed funds more costly. The interest on any policy loan is taxable in the year of the loan, and the policy owner is responsible for claims or loan payments. Additionally, failure to repay the loan when due may result in the policy lapsing.
How do loans affect death benefits with my Lewisville variable life insurance company?
Policy loans from variable life insurance can impact the death benefit for policyholders in Lewisville, NC depending on the specific circumstances. Generally, such loans draw from the death benefit but the exact effects vary depending on the amount taken out, current account values, and other factors. The policyholder should consult their financial advisor to determine the full implications of a policy loan on their death benefit.
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