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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 Lomita, CA. 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
Variable Life Insurance agent
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 Lomita, CA.
Frequent Questions...
Residents of Lomita, CA who are looking for a long-term option to provide financial security should consider purchasing variable life insurance. Variable life insurance allows individuals to build cash value within their policy and create a savings plan to meet their financial goals. Policyholders also have the potential to receive tax-deferred cash values and death benefits for their beneficiaries. Additionally, variable life insurance policies give flexibility and many options with the choice of investing in stocks, bonds, and mutual funds depending on the individual's risk appetite.
Do variable life insurance quotes in Lomita come with a cash surrender value?
In Lomita, CA, variable life insurance policies can have a cash surrender value depending on the specific policy. It's important to understand the policy terms, as some policies provide the option to borrow against the policy at specific times if there is enough of a cash value built up. The cash surrender depending on the policy may also be able to be used as collateral for a loan. Variable life insurance policies are a great option for those who live in Lomita, CA because they combine both a death benefit and adjustable features with the option for a cash surrender value to use in case of emergency.
What potential risks are there with a variable life insurance policy Lomita?
Variable life insurance in Lomita, CA may present investors with the potential for additional risks aside from the mortality risk attached to all life insurance policies. These risks can include the loss of principal, a decrease in the value of the contract when the stock markets decline, and the costs associated with the insurance policy. Potential investors should weigh these risks against the potential reward of tax deferred growth when deciding if this policy may be right for them.
How often can I modify my investments in variable life insurance near Lomita?
You can change your investment choices in a variable life insurance policy as often as you'd like in Lomita, CA. Some insurers may have restrictions on the number of times you can make changes within a given year or other timeframe, so it's important to familiarize yourself with the available policies and the restrictions that come with them before making the decision to invest. However, generally speaking, if you live in Lomita, CA, you can change your investment selections multiple times a year if desired.
Is there a minimum guaranteed return with a variable life insurance quote Lomita?
Variable life insurance in Lomita, CA does not typically guarantee any minimum return on any investments made with the policy. The main benefit to this type of insurance is that the policy holder has the potential to make significantly more than a fixed return if they are able to invest and manage their funds correctly. Risk comes with increased potential return, so while there is no guarantee of success, individuals looking to have a better chance at potentially maximizing their return could benefit from a variable life insurance policy.
The death benefit for investors in Lomita, CA largely depend on the investment performance. If the investments perform poorly, the death benefit may be reduced or an additional premium will be charged. On the other hand, if the investments perform well, the death benefit may be increased. Typically, the death benefit associated with an investment in Lomita, CA may be a lump sum, a variable annuity, or a combination of both. Due to the many variables associated with investment performance, it is difficult to predict the exact death benefit that investors in Lomita, CA can expect.
Can I upgrade variable life insurance policies near Lomita to another policy type?
In Lomita, CA, you may be able to upgrade your variable life insurance policy to another type of policy depending on your needs and the insurance company you are working with. By speaking with a qualified agent, you can determine if it is possible to convert your policy to a full-life, universal life, or term life insurance policy. Additionally, the agent can review your specific financial needs and goals to determine which policy would be the best fit for you.
How regularly should I check my variable life insurance in Lomita?
Given the continually changing cost of living in Lomita, California, it is important to review your variable life insurance policy annually. Updating your policy will help ensure that you have the proper coverage to meet your needs and protect your loved ones. During the review process, look for changes in state or local regulations that may affect your coverage, look into any new benefits that may be available, and determine if you may need additional life insurance protection due to changes in your financial situation.
Is the cash value in my Lomita variable life insurance policy safe from creditors?
In Lomita, CA, variable life insurance is designed to protect its cash value from creditors. Unlike traditional life insurance, where the death benefit is fixed, the death benefit with variable life insurance is based on the performance of the underlying investments. Generally, the cash value in a variable life insurance policy is not reachable by creditors if the policy owner has appropriate documentation and the policy complies with California law (and follows other guidelines set out by other states). However, when the policy owner abandons the policy, the cash value may be accessible and vulnerable to creditors.
Does my Lomita variable life insurance company offer a grace period for premium payments?
Yes, in Lomita, CA, those who purchase variable life insurance policies have the option to take advantage of a grace period for premium payments. Depending on the carrier, this grace period can range from 10 to 30 days or more, and allows policyholders to keep coverage active while they are in the process of making payments. Ultimately, it is important to understand all the details of your policy and be mindful of your preferred payment dates to ensure that payments are made on time and coverage is not jeopardized.
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