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With PolicyHub you get to compare over 37 Matthews, NC 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 Matthews, NC. 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 Matthews, NC.
Frequent Questions...
Variable life insurance premiums can vary depending on the protection provider in Matthews, NC. Generally, these policies require policyholders to make premium payments to keep the policy in force. Plans may have flexible payment options, allowing policyholders to adjust the amount of their premiums so they can adjust coverage levels as their needs change. However, most policies will have current premiums set in the contract and won't change as long as the payments are made on time. It's important to understand your policy's premium requirements and payment options before signing on with a provider.
Do variable life insurance quotes in Matthews come with a cash surrender value?
Yes, variable life insurance policies have a cash surrender value in Matthews, NC. Policyholders are allowed to access the accumulated cash surrender value for any reason including allowing them to pay for unforeseen medical expenses or to help with other financial hardships. The surrender value of a variable life insurance policy is equal to the total premiums paid into the policy minus applicable fees, taxes, and charges. Policyholders should consult their insurance advisor in Matthews to discuss how and when cash surrender values can be accessed.
How does the cash value work for a variable life insurance policy Matthews?
In Matthews, NC, a variable life insurance policy includes a cash value component that helps the policyholder obtain access to the cash value in their policy. This cash value can be used in a variety of ways, such as taking out loans against the policy or securing other tax-deferred investments. The amount of cash value will depend on the performance of the underlying investments, which typically consists of mutual funds and stocks, but the policyholder can change the investments as they see fit.
What fees are there with variable life insurance near Matthews?
The fees associated with variable life insurance vary depending on the specific policy you purchase and the insurer you choose. In Matthews, North Carolina, there may be additional fees associated with your policy if it invests in certain out-of-state securities. The annual fees associated with variable life insurance policies in Matthews generally include administrative charges, a mortality and expense risk charge, and an underlying fund's asset fee. In addition, you may have to pay a policy fee and a distribution or surrender fee, as well as rider fees depending on the policy benefits.
Is there a minimum guaranteed return with a variable life insurance quote Matthews?
Variable life insurance in Matthews, NC offers the potential to earn a higher return than a guaranteed minimum. On the basis of the funds that are chosen, there is the potential to earn a higher yield than a guaranteed minimum return. Furthermore, since you are in control of how you allocate your funds, the potential for higher return is ever present. Variable life insurance in Matthews, NC allows you to choose amongst a multitude of investments, thereby enabling you to create a portfolio according to your unique needs. As such, the return rate can fluctuate given the performance of the chosen funds.
Yes, there are limitations on fund transfers within the Matthews, NC policy. Fund transfers must occur within the same bank or institution, such as one's existing bank account. All funds must be transferred in full and it must be accompanied by a payment slip or bank statement. Also, all transfers must be completed within five working days and must be marked with the exact name of the payee. Failure to follow these guidelines may lead to a penalty being imposed by the Matthews banking authority. Additionally, transfers of more than 1,000 USD must be reported to the relevant authority for taxation reasons.
Do variable life insurance policies near Matthews provide guarantees on returns?
Yes, variable life insurance, offered in Matthews, NC, does offer certain guarantees on investment returns. Some contracts guarantee a minimum value at the end of a specified target accumulation period, depending on the insurer and the product chosen. Additional return guarantees may be systemic, such as protection against market losses and death benefits, while others are rider-based, like the guaranteed withdrawal benefit. It is important to know what the policy offers, before committing to one, and to understand the associated risks.
Does all variable life insurance in Matthews offer the same investments?
No, not all variable life insurance policies offer the same investment options. In Matthews, NC there are a variety of different financial advisors and insurance companies available to provide variable life insurance policies that offer various investment options tailored to individual needs. These include stocks, bonds, mutual funds and other money market instruments. Financial advisors are available to discuss different plans and explain the associated risks with each so that an educated decision can be made on the best investment solution for each policyholder.
How does my Matthews variable life insurance policy handle loan interest?
In Matthews, NC, policy loan interest on variable life insurance is typically deferred and added to the outstanding balance of the policy. This means the policyholder can borrow against the policy value, and interest will be charged and added to the balance. The policyholder can then pay off the loan and accrued interest via regular premium payments or a lump sum. They should regularly check their policy statement to track the interest each year to ensure it does not exceed the limit and become taxable.
What's the typical duration of terms with a Matthews variable life insurance company?
Variable life insurance policies vary in duration depending upon the policyholder's individual needs and circumstances. In Matthews, NC, policy durations typically range from 10-30 years. Of course, finding the right duration for your policy is important since longer durations may result in greater financial protection, however, premiums may increase with a longer duration. It is best to speak with a qualified life insurance agent in Matthews, NC to determine the best duration that fits your needs.
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