Taking too long? Close loading screen.
Compare over 37 Variable Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Los Gatos, CA 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 Los Gatos, 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.
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 Los Gatos, CA.
Frequent Questions...
Variable life insurance in Los Gatos, CA differs from other life insurance policies in that the cash value of the policy is dependent on the market performance of the investment options you choose to purchase. The policy accumulates value through subaccounts of different investments, such as stocks, bonds, money market funds and guaranteed interest funds. The earnings from these investments accumulate tax-deferred until withdrawals are made. However, the downside of variable life insurance is that the cash value of the policy is subject to market fluctuations and can decrease in value if the underlying investments don't perform well.
Do variable life insurance quotes in Los Gatos come with a cash surrender value?
Variable life insurance policies have affective cash surrender values, with payout depending on a policy's performance and the investments it contains. Los Gatos, CA policyholders may be able to obtain the accrued value of their policy and end the agreement if desired. This value may be more or less than the original amount of money that was paid in by the policyholder when the life insurance policy was initially taken out. If a policyholder in Los Gatos, CA chooses to terminate the policy, the remaining cash value will be paid out to that person in a lump sum, less any applicable surrender charge.
With a variable life insurance policy Los Gatos, can I decide where my premiums are invested?
Yes, with variable life insurance you can choose how your premiums are invested. The investments you can make with variable life insurance depend on the company you choose and can be tailored to your preferences and needs. In Los Gatos, CA, you can get variable life insurance from companies like Prudential and AIG, both of which offer excellent investment options including stocks, pooled accounts, and bonds. You can also work with a financial adviser to select the best investments for you, based on your personal financial goals and investment risk tolerance.
Is there a death benefit guarantee with variable life insurance near Los Gatos?
In Los Gatos, CA, variable life insurance does not provide a guaranteed death benefit. Rather, the death benefit will depend on the performance of the investment portfolio. The amount you will receive will depend on the performance of the investments, the policy costs, and how long you live. Therefore, it is important to review the performance of the underlying investments and understand the policy fees associated with variable life insurance prior to selecting this policy. Additionally, it is critical to make sure you consistently update your policy so it reflects your current financial goals and objectives.
Can I include riders in my variable life insurance quote Los Gatos?
Yes, you can add riders to your variable life insurance policy in Los Gatos, CA. A rider is an additional feature you can add on to your policy which offers you greater flexibility and customization for your life insurance coverage. Riders can add or modify death benefits, provide protection if you become physically impaired, or even provide cash values which can be used for investments or emergencies. Your local Los Gatos life insurance provider can give you more information on the different riders available and help you customize your policy to your specific needs.
Variable life insurance in Los Gatos, CA can be a suitable option for short-term coverage needs since it is possible to adjust the term length with this type of policy. It allows you to change the length or amount of coverage without needing to purchase another policy. This means you have the flexibility to adjust your coverage period based on your current needs. Additionally, most variable life insurance policies offer death benefits and access to a range of investment options, allowing you to adjust the plan based on your current needs.
Can I direct specific investment strategies for variable life insurance policies near Los Gatos?
While the specific investment strategy for the cash value of a policy is typically determined by the insurance provider, in the Los Gatos, CA area the policyholder does have opportunities to speak with their insurer about investment options. Depending on the insurer, they may factor in the policyholder's preferences when making investments. For example, they may allow policyholders to select the diversification percentages of their portfolios. However, regardless of the policyholder's preferences, the insurer will ensure the portfolio allocations remain in accordance with their investment guidelines.
Does all variable life insurance in Los Gatos offer the same investments?
No, all variable life insurance policies do not offer the same investment options. In Los Gatos, CA, the type of variable life insurance policy you purchase will determine the investment options available to you. Some policies may offer a variety of mutual funds, stocks, bonds, and other investments, while others may only offer a few. If you are unsure about what type of policy you should get, it is best to speak with a qualified financial advisor who can provide insight into the various investment options available in Los Gatos, CA.
Can I use my Los Gatos variable life insurance policy for retirement savings?
Yes, variable life insurance can be used as a retirement savings vehicle in Los Gatos, CA. Variable life insurance is an effective way to help build and maintain a healthy retirement savings portfolio. With variable life insurance, policyholders can make adjustments to their policy's underlying investments and change their premiums and death benefits within certain ranges and guidelines. This type of flexibility makes it an ideal option for individuals looking to set up a retirement savings plan. Additionally, Los Gatos residents benefit from variable life insurance policies because they combine long-term savings with the potential for policy growth.
What's the typical duration of terms with a Los Gatos variable life insurance company?
Variable life insurance policies vary in duration depending on the individual situation, but typically are available in 10-year, 15-year, 20-year, 25-year, and 30-year terms. In the town of Los Gatos, CA, the most popular option for a variable life insurance policy is the 15-year term, as it provides the best value compared to the other term lengths. The 15-year term tends to provide a balanced combination of both a longer term life coverage and a lifetime coverage option, giving the policy holder the best of both worlds.
Compare Los Gatos, CA 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
