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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 Littleton, CO. 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 Littleton, CO.
Frequent Questions...
Residents of Littleton, CO who wish to provide an additional layer of financial security for their loved ones should give serious consideration to purchasing variable life insurance. This type of life insurance is ideal for anyone looking to supplement a wide variety of financial objectives such as selection of investments centered around mutual funds, college education funds, and retirement savings plans as well as providing a death benefit to the beneficiary.
Do variable life insurance quotes in Littleton come with a cash surrender value?
Yes, variable life insurance in Littleton, CO does have a cash surrender value. Variable life insurance allows you to choose how to allocate your premiums by selecting from a wide range of investment options. In the event that you need money prior to the maturity of your policy, you may cash out the policy's value through the cash surrender value. Depending on how long you have held the policy, the insurance company may require a surrender charge (which varies by product); however, there is a guaranteed minimum surrender value.
What potential risks are there with a variable life insurance policy Littleton?
Littleton, CO residents considering variable life insurance should be aware of the potential risks associated with it. This type of life insurance comes with a variety of investment choices such as stocks or mutual funds that may be volatile. These investments have the potential to increase in value, but they also may have losses that could exceed the policy's cash value. Additionally, variable life insurance can be subject to fees and expenses that can quickly add up, diminishing the value of the policy. Lastly, it is important to review the potential changes and restrictions related to withdrawing funds prior to the death of the insured.
Is there a death benefit guarantee with variable life insurance near Littleton?
Yes, variable life insurance policies in Littleton, CO offer a guaranteed death benefit for the policyholder. As long as the policy premiums are paid, the policyholder's beneficiaries are assured a death benefit. Variable life insurance allows the policyholder to invest in various accounts that are managed by life insurance companies. This flexibility combined with a guaranteed death benefit makes variable life insurance a popular choice among residents of Littleton, CO.
Can I include riders in my variable life insurance quote Littleton?
Yes, you can add riders to your variable life insurance policy in Littleton, Colorado. Riders can provide additional coverages that are tailored to your specific needs, such as coverage for children, coverage for long-term care needs, coverage for a supplemental disability benefit, coverage for income protection, and more. You should consult with a knowledgeable insurance professional to discuss what riders are available for your particular policy and determine which riders are best suited for your needs and budget.
The death benefit of an investment in Littleton, CO varies depending on its performance. Generally, the higher the investment returns, the higher the death benefit will be. For example, underperforming investments may not offer a death benefit, while investments with higher returns can ensure that heirs receive some gain from the death of the investor. Additionally, certain Littleton, CO investment strategies may even come with bonus benefits that pay out even if the investor does not pass away, making them more attractive to those looking to ensure the well-being of their loved ones.
How does cash value growth influence death benefit with variable life insurance policies near Littleton?
In Littleton, CO, the cash value growth in variable life insurance can have a dramatic effect on the death benefit since it represents the accumulated funds building within the policy. By increasing the policy's cash value over time through investments, the death benefit grows larger, which means that the beneficiary of your life insurance policy stands to receive more money than the original face value of the policy. In addition, the cash value can be accessed through policy loans or withdrawals while the policyholder is still living, which can often supplement income in the later years of retirement.
Can I change investment options for variable life insurance in Littleton without tax effects?
Yes, you can generally switch between investment options without incurring tax implications, however this is dependent on the particular investment and your specific situation. In Littleton, Colorado, a qualified tax advisor can help provide personalized guidance when it comes to understanding the relevant tax implications of your investments. Additionally, individuals should always be aware of and mindful of their own financial goals and be aware of the potential long-term impacts of their investments.
Can I use my Littleton variable life insurance policy for retirement savings?
In Littleton, CO, variable life insurance can be an attractive option for retirement savings. With a variable life policy, your premium payments can be invested into professionally managed accounts. Then earnings on your investments grow tax-deferred and may be accessed when the policy matures. This means you may withdraw more funds from your account than the premiums you paid in. Also, the ability to customize a variety of investment options makes variable life insurance an attractive retirement savings option for those living in Littleton, Colorardo.
Can I convert from term life insurance with a Littleton variable life insurance company?
Yes, it is possible to convert a term life insurance policy to a variable life insurance policy in Littleton, CO. However, you should consider all the costs and potential benefits of such a conversion before proceeding. It is important to understand that a variable life insurance policy is typically more complex than a term life insurance policy, and it involves the investment of premiums into sub-accounts with the potential for fluctuating values. You should speak with a financial advisor to determine if such a conversion would be an appropriate and beneficial option for your particular needs.
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