Compare over 37 Variable Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Little Elm, TX 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 Little Elm, TX. 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 Little Elm, TX.
Frequent Questions...
Yes, premiums in variable life insurance are fixed in Little Elm, TX. Depending on the policyholder's age and gender, the premiums determined will typically be based upon a set and predetermined amount. However, it is important to note that the policyholder has the option to adjust their premiums throughout the life of their coverage. This type of flexibility offers policyholders the ability to customize their coverage to their specific needs and financial situation.
Do variable life insurance quotes in Little Elm come with a cash surrender value?
Yes, variable life insurance policies do have cash surrender values in Little Elm, TX, providing the policy has been in effect for more than two years. The amount of the surrender value can vary depending on the performance of the underlying investments, but it will at least equal the surrender charge being assessed if your policy is cashed in. The surrender charge will be waived though if the insured person passes away while the policy is in effect or reaches the age of 100.
How does the cash value work for a variable life insurance policy Little Elm?
The cash value component of variable life insurance in Little Elm, TX works by building up a savings fund that is accessible to policyholders. A portion of the payments are put into the cash value account through a tax-deferred system, allowing policyholders to access the funds in case of an emergency. Policyholders can then use the cash value to supplement retirement income, for college tuition, or to make an additional premium payment. The cash value can be used as collateral as well for any borrowing needs that may arise.
Is there a death benefit guarantee with variable life insurance near Little Elm?
Depending on the specific policy and provider, Little Elm, TX residents may be afforded a death benefit with a variable life insurance policy. Generally, when the insured passes away, their beneficiaries receive a lump sum payment or predetermined annual distributions, depending on what is selected in their coverage. Along with this benefit, a variable life insurance policy can also build cash value, earn tax-deferred interest and give the policyholder access to funds while they are still living.
Is there a minimum guaranteed return with a variable life insurance quote Little Elm?
Variable life insurance, offered by many quality providers in the Little Elm, TX area, is a type of permanent life insurance policy that allows policyholders to invest part of their premium payments in the stock or bond markets. It does not offer a minimum guaranteed return, as the performance of the policyholder's investments are subject to market forces and other variables. The upside to variable life insurance is that it offers policyholders the potential for higher returns and a greater death benefit than traditional life insurance policies.
In Little Elm, TX, age restrictions for purchasing a variable life insurance policy depend on the provider. Generally, individuals must be 18 years or older and must not be on active military duty to apply for variable life insurance. However, some providers may have more specific age restrictions, such as being at least 21 years old, depending on the type of policy purchased. For more information, it is best to contact a qualified insurance representative, who can provide exact details and restrictions for purchasing a variable life insurance policy in Little Elm, TX.
Do variable life insurance policies near Little Elm provide guarantees on returns?
Variable life insurance, available in Little Elm, Texas, offers no guarantees on investment returns. Rather, the amount of money a policyholder gets are determined by the underlying investment performance of their individual policy. Your potential returns, especially with long-term investments, depend heavily on the stock market and other outside factors beyond the insurance provider's control. As such, it's important to evaluate the risk-level of the policy as well as the return potential before making any financial decisions since they may not be guaranteed.
Can I change investment options for variable life insurance in Little Elm without tax effects?
Yes, you can switch between investment options without tax implications in Little Elm, TX. As long as you make your investment changes with the same custodial broker, you will not face any taxes or penalties. It's important to note that if you move to a new custodian, you may be required to pay taxes on the transfer. Furthermore, if you are trading in a retirement account, such as an IRA, you should be aware of the tax implications of doing so.
How liquid is the cash value of my Little Elm variable life insurance policy?
In Little Elm, TX, the cash value of a variable life insurance policy depends on many factors, including the performance of the underlying investments. Usually, policyholders can withdraw a partial amount, but the liquidity of such a policy will vary due to changes in the performance of the investments. To maximize the amount of liquidity available, it's recommended to review the policy to ensure all the options are optimal. It's also important to keep long-term goals in mind to prevent extracting more cash than necessary.
What's the typical duration of terms with a Little Elm variable life insurance company?
The typical duration of a variable life insurance policy in Little Elm, TX can vary depending on the insurance company. Generally, these policies have a minimum term of 10 years and can last up to 30 years or even beyond. The length of the policy also depends on the policyholder's age, so it can be shorter for those who are older. Ultimately, you should work with your insurance provider to explore the various policy duration options to determine the best one for your needs.
Compare Little Elm, TX 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