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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 Murraysville, 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
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 Murraysville, NC.
Frequent Questions...
Variable life insurance policies can have premiums that vary over time, depending on the current value of the underlying investments. In Murraysville, NC, the premiums are typically based on the performance of investments you or your insurance provider choose. Your insurer will set a minimum premium needed to support the policy and reserve its obligations, and the remaining premium payments are flexible based on the investment returns. Generally, the policy remains in force as long as premiums meet the minimum requirement mandated by your policy.
Can I use my variable life insurance quotes in Murraysville as collateral?
Yes, in Murraysville, NC, you can use variable life insurance as collateral for a loan. Variable life insurance is a permanent life insurance policy that grows a cash value over time that can be used as collateral for a loan. This type of loan can help you access funds at a lower rate, however, it can also put your policy at risk if you're unable to make your payments on time.
Can I withdraw or borrow from a variable life insurance policy Murraysville?
Yes, you can withdraw or borrow from the cash value of your variable life insurance policy in Murraysville, NC. The cash value is the portion of an insurance policy that is eligible for withdrawals or loans. The amount you can borrow is limited to available cash value. It's important to note that once the loan is taken, cash value will decrease and, depending on the type of policy, future dividends and cash value accumulation may be lower. Additionally, interest will be charged to the loan account and if repayment doesn't occur, the loan and accrued interest will be deducted from the death benefit.
What fees are there with variable life insurance near Murraysville?
The fees associated with variable life insurance in Murraysville, NC can vary by provider. Generally, they include a policy-issuance fee, periodic premium payments, a mortality and expense charge deducted from the policy's cash value, and any applicable administrative fees. In addition, there may be fees charged for changes to the policy and fees charged for accessing cash values or for taking out a loan against the policy. It's important to review any charges associated with the policy before signing up as they can vary widely from one provider to another.
Can I include riders in my variable life insurance quote Murraysville?
Yes, you can add riders to your variable life insurance policy in Murraysville, NC. Riders are additional benefits you can choose to add to your policy for an additional cost. This could include features such as an enhanced death benefit, accelerated death benefits or a waiver of premium. By adding riders to your policy, you will tailor your insurance coverage to best meet your needs. Speak with an insurance agent in Murraysville, NC to review your options and to determine which riders may be best suited for you.
Variable life insurance might not be the ideal solution if you are in Murraysville, NC and your primary goal is to secure short-term coverage needs. Variable life insurance policies are long-term investment products for insurance buyers as they are designed to have an established duration of years, or are open-ended. Rather than building cash value for short-term needs, this type of policy is better suited to long-term, large-scale financial commitments as the insurance and cash value need time to accumulate.
How does cash value growth influence death benefit with variable life insurance policies near Murraysville?
In Murraysville, NC, the cash value growth in variable life insurance will directly impact the death benefit available to the policy holder's beneficiaries. The more money that is added to the policy on an annual basis, the more cash value the policy will accumulate, thus providing more money as the death benefit. Therefore, it is a great idea to make sure that the policy is adequately funded since it will provide a larger sum of money in the event of passing. Additionally, the cash value can often be used to cover any premiums due, allowing for more money to benefit the policyholder's beneficiaries.
Are management fees for variable life insurance in Murraysville similar to mutual funds?
In Murraysville, NC, the management fees for variable life insurance plans and mutual funds tend to be very similar. However, there are a few differences between the two that should be noted. Variable life insurance plans are inherently more expensive because they come with a death benefit associated with them, whereas mutual funds do not. Additionally, expenses associated with managing variable life insurance investments are fixed, whereas expenses associated with managing mutual funds can fluctuate so it's important to conduct some cost comparisons to get a clear picture of the associated fees.
Can I use my Murraysville variable life insurance policy for retirement savings?
Variable life insurance can be used as a retirement savings vehicle for residents of Murraysville, NC. This type of insurance gives you the option to invest in stocks, bonds, mutual funds, and more, allowing you to create and grow your retirement savings. It offers a number of benefits, including flexibility, tax deferment, and death benefit protection. In addition, you can customize your individual retirement plan to cover your specific financial needs. Upon retirement, you can access your funds in the form of lump sum withdrawals or a regular income stream.
Can I convert from term life insurance with a Murraysville variable life insurance company?
Yes, you can convert your term life insurance to variable life insurance in Murraysville, NC. In order to convert your policy, you will need to contact an insurance agent to discuss your specific needs and obtain a quote. Depending on your age and the type of policy you have, you may or may not experience any additional fees when converting to a variable life insurance policy. Additionally, you should receive additional benefits with a variable policy over a term policy, such as an investment portfolio that grows in value over time and will potentially increase the policyβs death benefit.
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