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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.
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 Menifee, 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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Mark Sidway
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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 Menifee, CA.
Frequent Questions...
Variable life insurance is an insurance policy that can flexibly adjust the premiums and death benefit amounts to meet the changing needs of the policyholder. It's especially beneficial for those who live in Menifee, CA, where unpredictable economic swings demand that insurance policies be flexible. Variable life insurance can be used to complement retirement accounts, portfolios, and other investments, offering policyholders a degree of financial protection from market downturns. In addition, cash values can be accumulated with tax-deferred growth and policyholders can access the money for growing families, retirement planning, and education savings.
Do variable life insurance quotes in Menifee come with a cash surrender value?
Yes, variable life insurance does have a cash surrender value available in Menifee, CA. The value of the cash surrender is calculated based on the premiums you have paid and expenses of the policy. With a variable life insurance policy you are also investing in a separate account to help build more long-term value for the policy which is not available with a traditional life insurance policy. In Menifee, CA, a financial advisor can provide more guidance about the cash surrender value of a variable life insurance policy, as well as how such policy can benefit you financially.
What are the tax aspects of a variable life insurance policy Menifee?
The tax implications of purchasing variable life insurance depend on your residence. For those in Menifee, California, the death benefit proceeds of variable life insurance policies are generally exempt from federal and state income taxes. Individuals can also make withdrawals or loans from the policy without factoring in taxes, however they may be subject to surrender charges. Surrender charges will decrease the amount of cash available from the policyβs value. The earnings of the investments under a variable life policy are subject to federal, state, and local taxes.
Do I need to understand investments for variable life insurance near Menifee?
You don't need to be investment-savvy to purchase variable life insurance in Menifee, CA but it helps to understand the options available to you. Comparing premiums, benefits, and investments can be daunting without some knowledge of the industry, but there are several resources in Menifee and the surrounding areas that provide guidance to help you make an informed decision. An insurance agent with a good reputation in Menifee or a financial planner who knows the area can provide guidance and help you find the plan that's right for your needs.
What happens if my variable life insurance quote Menifee underperforms?
If your chosen investments in Menifee, CA perform poorly, it could mean losses in terms of capital. To limit potential losses, be sure to diversify your portfolio across a broad range of investments like stocks, bonds, mutual funds, real estate, and annuities. Research your investments thoroughly prior to investing and seek advice from a financial advisor regularly to ensure you're making the best possible decisions for your long-term financial goals. Additionally, consider setting up a reserves of emergency funds in the event you encounter financial hardship.
Variable life insurance is an attractive option for people living in Menifee, CA seeking short-term coverage needs. This type of policy can provide flexibility for changing coverage needs, which is ideal for people whose needs may change over time. Variable life insurance may be used to supplement an existing term or permanent policy. Additionally, it can provide beneficiaries with a death benefit and, if applicable, cash-value grow which can give you an additional source of income in retirement. Ultimately, variable life insurance can be a great fit for those in Menifee seeking short-term coverage needs.
Can I direct specific investment strategies for variable life insurance policies near Menifee?
Every policyholder is subject to their insurance company's guidelines and regulations. Within these parameters, policyholders in Menifee, CA may be allowed to dictate specific investments for their policy's cash value. Customers should contact their insurance provider directly to verify if this option is available or how this selection may be limited to those investments available through their insurer. Furthermore, customers should seek the advice of a financial planner and thoroughly research any potential investments beforehand as the decision made could have a significant effect on their return or savings.
Can I change investment options for variable life insurance in Menifee without tax effects?
Yes, you can switch between investment options without tax implications in Menifee, California. Generally, capital gains and losses from assets are not subject to taxation when they are transferred from one investment option to another. This is accomplished through a process called a 1031 Exchange. This involves transferring one investment to another without having to pay taxes on the capital gains, allowing for tax deferment until the asset is eventually converted to cash. The same rules apply for Menifee, California residents that are looking to switch between investment options without incurring tax implications.
Is the cash value in my Menifee variable life insurance policy safe from creditors?
In Menifee, California, the cash value in variable life insurance is typically protected from creditors in most instances. This is because California bankruptcy laws include an exemption for life insurance policies owned by residents of the state. However, the protection varies by situation, so it is important to speak with a financial professional who understands the regulations in California to determine if you have adequate protection from creditors. Additionally, most jurisdictions have laws that limit the amount of benefits that can be paid out by insurance companies, so there are various limits on how much cash value can be exempt from creditors.
What's the typical duration of terms with a Menifee variable life insurance company?
The typical duration of a variable life insurance policy in Menifee, CA is dependent on several factors. Generally, variable life insurance policies are set up for a specific term, usually at least 10 years, although the policyholder may be able to modify the policy's duration or end-date at any time. Furthermore, the policy may be renewed on a regular basis at the policyholder's discretion, allowing the policy to last as long as the policyholder wishes. Depending on the insurer, other factors such as the policyholder's age and health may determine the length of the term.
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