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With PolicyHub you get to compare over 37 Miami, FL Variable Life Insurance policy providers in as little as 15 minutes. Save time. Save big. Get started now.
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Over 37 policy provider comparison.
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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
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Step 2
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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 Miami, FL. 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.
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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
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 Miami, FL.
Frequent Questions...
A variable life insurance policy in Miami, FL is composed of an investment component, a death benefit component, and a guaranteed component. The investment component allows the policyholder to self-manage their portfolio, with the option to allocate policy funds to a broad range of investment options, including stocks, bonds, mutual funds, and index funds. The death benefit component provides a financial settlement to designated beneficiaries upon the policyholder's death. The guaranteed component imposes limits on average annual premiums and return of premiums, which offers protection against the risk of premium increases, should the investment component fail to meet expectations.
Can I cancel my policy after getting variable life insurance quotes in Miami?
Yes, you can cancel your variable life insurance policy. However, it is important to be aware of the process and potential consequences associated before doing so. The specifics of canceling a policy vary by policy and provider, so you should contact your life insurance provider to confirm the cancellation process in Miami, FL. They will be able to explain any fees or penalties associated with cancelling your policy. Additionally, it is important to understand the tax implications and make sure you follow the proper steps to avoid any unexpected taxes or penalties.
With a variable life insurance policy Miami, can I decide where my premiums are invested?
Yes, with variable life insurance in Miami, FL you have the option to choose where your premiums are invested. You may customize your portfolio according to your individual financial goals, risk profile, and personal preference. When you purchase variable life insurance, your premium payments are invested in securities such as stocks, bonds, mutual funds, and other exchange-traded funds for the purpose of accumulation. As the value of these investments fluctuates, so will the value of your death benefit and cash value.
Is there a death benefit guarantee with variable life insurance near Miami?
With variable life insurance in Miami, FL, a guaranteed death benefit is not always available. Depending on the insurance carrier, some may offer an optional guaranteed death benefit rider that can be added to the policy for an additional cost. It is important to note that with variable life insurance in Miami, FL, the death benefit can fluctuate and be dependent on the performance of the underlying investment options of the policy.
Is there a minimum guaranteed return with a variable life insurance quote Miami?
Variable life insurance in Miami, FL offers the potential for cash value growth depending on the performance of the underlying investments. As such, it can offer greater rewards than other options, but it also carries a degree of risk. Furthermore, variable life insurance policyholders don't typically receive a guaranteed minimum return, making it a suitable investing option only for those comfortable bearing some risk. Nevertheless, the death benefit of a variable life insurance policy is guaranteed to be at least the amount of the policy owner's premiums paid.
In Miami, FL the death benefit related to an investment performance varies according to the type of investment made. Depending upon the particular type of security instrument selected, the death benefit may entail proceeds being distributed in full to the beneficiary named in the investment agreement, may ensure a particular percentage of the initial investment is paid out, or may produce a variable amount determined by the gains or losses of the investment. Additionally, some investing strategies may be structured to guarantee a minimum amount of payment upon death. Understanding the death benefits associated with each investment type is key in helping individuals make informed decisions in regards to their investments.
Do variable life insurance policies near Miami provide guarantees on returns?
Variable life insurance policies in Miami, FL offer no guarantees on investment returns, as policyholders have the ability to move money between different investment options. However, variable life insurance policies do offer guaranteed benefits such as death benefits and coverage for long-term care. Additionally, one benefit of using Miami, FL variable life insurance policies is that any gains or losses experienced from the investment options are allowed to remain in the policy and accumulate on a tax deferred basis. Ultimately, the goal is to build a safe and secure retirement plan, by building cash values that are protected from market fluctuations.
Does all variable life insurance in Miami offer the same investments?
No, not all variable life insurance policies offer the same investment options. In Miami, FL it's important to compare policy offerings to ensure you are getting the right combination of investments for your risk tolerance and investment objectives. Some policies may offer access to stocks and bonds through mutual funds or unit investment trusts, while other policies may have more conservative or complex options, including segregated funds, annuities and other non-traditional investments. Because each policy is unique and investment options may change over time, it's important to always review your options and ask questions when necessary.
Is the cash value in my Miami variable life insurance policy safe from creditors?
In Miami, FL creditors are not able to access the cash value in a variable life insurance policy. Florida’s Homestead Exemption protects the life insurance policy from creditors and from the claims of any creditor of the policy owner's estate. This means that the cash value of the policy is safe, as long as you own the policy and you haven’t designated a beneficiary of the policy. Additionally, Florida's creditor protection laws ensure that a policy's cash value does not form part of the policy owner's estate and is not used to pay the debts of the decedent.
Does my Miami variable life insurance company offer a grace period for premium payments?
Yes, in Miami, FL there is a grace period for premium payments in variable life insurance. Generally, if you fail to submit your premium payment for any reason within the grace period, typically 30 days, your policy will not lapse and will remain in force. Therefore, it is important to meet the deadlines as directed on your policy in order to keep your variable life insurance coverage intact. It is also important to ensure that your policy address and contact information is up to date so that you receive all correspondence in a timely manner.
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