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With PolicyHub you get to compare over 37 Murrieta, CA 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.
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 Murrieta, 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.
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
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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 Murrieta, CA.
Frequent Questions...
A variable life insurance policy in Murrieta, CA typically has three primary components: death benefit, cash value, and premium payments. The death benefit is the primary purpose of the policy and is structured to provide financial security for your family in the event of your death. The cash value is a savings account that accumulates thanks to the premiums you pay, and you can use the funds accumulated in the cash value account for various needs including retirement, college savings, and more.
Are there early withdrawal penalties for variable life insurance quotes in Murrieta?
Yes, there are penalties for early withdrawals from the cash value of your policy in Murrieta, CA. Typically, these withdrawals trigger surrender fees which reduce the amount of money you receive from your policy. Depending on the provider, these fees may be charged on a sliding scale, with higher fees attached to policies with longer-term lengths. You may also be charged additional taxes or penalties, so it's important to consult your insurance provider before you make any withdrawals. Finally, any withdrawals made before 59 and 1/2 may also incur federal taxes so it's important to factor that into your decision.
What potential risks are there with a variable life insurance policy Murrieta?
In Murrieta, CA, variable life insurance policies pose several potential risks for those purchasing them. One risk is that the cash value of a variable life policy might not accumulate as quickly as the policyholder would like, as investment results are not guaranteed. Another risk is that the policyholder may be investing their funds into an underlying portfolio that is too volatile to them, leading them to take on more risk than they can bear. Additionally, the premiums vary with the performance of the underlying investments, so policyholders may need to pay substantially higher premiums in order to keep the policy in force.
How transparent is the investment performance of variable life insurance near Murrieta?
At a trusted provider of variable life insurance in Murrieta, like we offer, the investment performance is highly transparent. Your policy includes detailed information about how each investment is performing, and you can monitor the performance in real time. We provide both textual and graphical reporting options, and you will always know exactly what your portfolio is worth. We want to make sure that you are making the right choices for your financial goals, and have the information you need to make informed decisions about your investments.
Can I include riders in my variable life insurance quote Murrieta?
Yes, it is possible to add riders to your variable life insurance policy in Murrieta, CA. At many insurance companies, policyholders are able to shop around and choose from a range of riders to add extra protection to their policy. These may include accelerated death benefits, waiver of premium protection, or term riders. Generally speaking, most life insurance riders will incur additional premium payments, and it is always advised to read the policy terms and conditions carefully before attaching any riders. If you have any questions or concerns, you can always speak with a qualified life insurance agent in Murrieta, CA.
Variable life insurance may be suitable for short-term coverage needs in Murrieta, CA, depending on your individual circumstances. The policy allows for flexibility, as you are able to adjust how much of the premium goes toward the death benefit, and how much goes toward the cash value of the policy. Additionally, the death benefit may have the potential for cash value growth, based on the performance of the underlying investment options included in the policy. However, it is important to keep in mind that this type of insurance may involve risks, as the cash value is subject to market fluctuations.
Can I upgrade variable life insurance policies near Murrieta to another policy type?
Yes, you can upgrade your variable life insurance policy to another type of policy at anytime. In the Murrieta, CA area, there are multiple insurance companies that offer several different types of life insurance, so you should be able to find a policy type that works for you. It is important to make sure that you compare policies and research the different types of coverage and policies available so that you can chose a policy that fits your needs. Be sure to ask questions if you have them, and seek advice from knowledgeable professionals that can provide you with the best options for your particular situation.
How regularly should I check my variable life insurance in Murrieta?
It is highly recommended that people living in Murrieta, CA review their variable life insurance policy at least once a year. This gives policyholders the opportunity to assess their current insurance needs and financial goals, and make any necessary policy adjustments. Additionally, review provides the chance to compare rates and determine if investing in a new policy would be more beneficial. Taking the time to review your policy annually can ensure your life insurance is appropriate for your changing situation and evolving needs.
How liquid is the cash value of my Murrieta variable life insurance policy?
The cash value in a variable life insurance policy in Murrieta, CA can be quite liquid depending on the policy and daily values of the underlying investments. Withdrawals are generally available at least once a year and up to the guaranteed minimum cash value as specified in the policy. If an emergency arises, the policyholder is usually able to access some or all of the cash value with a few exceptions. Additionally, some policies even factors in borrowing from the cash value with extended loan terms and other features.
Do I get dividends from my Murrieta variable life insurance company?
Depending on the investments you make within your variable life insurance account in Murrieta, CA, you may be eligible to receive dividends. Variable life insurance is a form of permanent life insurance that offers potential cash value growth through investment opportunities. You'll be able to select the funds that you want to invest in, and may receive periodic dividend payments. The amount of dividend payments you receive from your insurance will be based on the performance of the investments you've chosen and the dividends declared by the insurance company. Keep in mind that the policies that you have will determine the eligibility for receiving dividends.
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