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With PolicyHub you get to compare over 37 Lowes Island, VA 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 Lowes Island, VA. 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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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 Lowes Island, VA.
Frequent Questions...
Lowes Island, VA residents who are looking to secure a dependable stream of income and financial protection for themselves and their loved ones should strongly consider purchasing variable life insurance. This specialized type of insurance offers policyholders the flexibility to adjust premium payments, as well as the amount of coverage they wish to receive while allowing them to access cash values that grow tax free. Additionally, individuals who may have investments that are subject to market fluctuation may find variable life insurance to be an advantageous option.
Are there early withdrawal penalties for variable life insurance quotes in Lowes Island?
In Lowes Island, VA, there are penalties associated with early withdrawal from a cash value. Generally, if a withdrawal is taken prior to age 59 ½, the withdrawal is subject to a 10 percent federal tax penalty. State taxes may also apply, and will vary depending on which state you live in. Taking a loan from the cash value will also be seen as a form of early withdrawal, and may be subject to taxes or other kinds of penalties as well. It is advisable to fully understand the terms and conditions associated with the cash value before committing to a withdrawal or a loan.
How does the cash value work for a variable life insurance policy Lowes Island?
The cash value component of variable life insurance works by offering policyholders in Lowes Island, VA the potential to accumulate wealth with their policy. Variable life insurance offers premium payments with a portion of the money going toward the death benefit while the remaining portion is invested into professional money managers’ funds to maximize growth, depending on the goals of the policyholder. Along with this benefit, policyholders can also access their cash value at any time for any reason whether they need additional money for retirement planning or other needs. The accessible cash values offer policyholders the added flexibility to manage their investments accordingly.
How transparent is the investment performance of variable life insurance near Lowes Island?
The transparency of investment performance in variable life insurance in Lowes Island, VA is very high. Your investments are monitored regularly, and you have access to various communication materials that summarize your investment performance and review the fees you are paying. Financial advisors also provide ongoing assistance and share their expertise to ensure you are making informed decisions. You will be presented with portfolio performance summaries on a quarterly basis, allowing you to compare a variety of metrics and make sound decisions about your investments.
Can I include riders in my variable life insurance quote Lowes Island?
Yes, you may be able to add riders to your variable life insurance policy in Lowes Island, VA. Riders are optional additions to your life insurance policy that help to provide supplemental coverage and benefits. Be sure to speak to a licensed insurance agent in your area to discuss what types of riders may be available to you and how they may fit into your life insurance strategy. Ultimately, the decision to add riders to your policy is a personal one and an insurance professional can help you decide whether it makes sense for your unique circumstances.
In Lowes Island, VA there are limitations in place regarding fund transfers within the policy. Under the Lowes Island Financial Policy, no fund transfer exceeding the amount of $500 is allowed unless the transfer is authorized by a licensed financial advisor. Funds can be transferred from accounts within the bank as well as to external accounts. However, all transfers which exceed the federal, state, and local government regulations, as well as transfers to foreign jurisdictions, will not be allowed under this policy. Furthermore, the transfer must be in accordance with the Lowes Island Financial Policy and must comply with all applicable laws.
Do variable life insurance policies near Lowes Island provide guarantees on returns?
Variable life insurance offers policyholders the opportunity to invest their purchase payment and cash values in professionally managed separate accounts. While these investments may return profits or income, there are no guarantees with variable life insurance policies in Lowes Island, VA. As with all investments, there is always the potential for loss of principal invested.
Can I change investment options for variable life insurance in Lowes Island without tax effects?
Yes, you are able to switch between investment options without tax implications in Lowes Island, VA. Generally, you are only subject to taxes once you sell or withdraw your investment or are paid dividends from any of your investments. When buying investments in Lowes Island, you should always do your research before deciding on a particular investment. This way, you will understand how tax laws may be applicable and will be aware of any capital gains tax that may be due from the sale of your investments, if any.
How liquid is the cash value of my Lowes Island variable life insurance policy?
The cash value of a variable life insurance policy can vary greatly depending on the specific policy and its associated conditions. However, in Lowes Island, VA, policyholders can count on a steady cash value that maintains liquidity, giving them the flexibility to withdraw funds or borrow against it when needed. Furthermore, because of the favorable tax benefits of such policies in Virginia, the cash value of variable life insurance policies grows quickly to build long-term wealth.
What's the typical duration of terms with a Lowes Island variable life insurance company?
The typical duration of a variable life insurance policy will depend on the policyholder's location. Here in Lowes Island, VA, variable life insurance policies are usually tailored to the policyholder’s needs and could last up to 30 years. During this time the policyholder can adjust the amount of their premium payments and death benefits to suit their current financial needs and requirements. Most variable life insurance policies also offer a wide range of investment options to allow the policyholder to achieve their long-term goals.
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