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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 Myrtle Grove, 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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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 Myrtle Grove, NC.
Frequent Questions...
A variable life insurance policy is a kind of policy available in Myrtle Grove that combines protection and investment benefits. The primary components of a variable life policy include a death benefit, cash value, investment options, and policy fees. The death benefit is an amount of money paid out to the beneficiary upon the policyholder’s death. The cash value portion of the policy is the amount that accumulates on a tax deferred basis as you make premium payments, and it can be accessed as collateral and withdrawn to supplement retirement income or invest.
With variable life insurance quotes in Myrtle Grove, how is the beneficiary impacted by investment performance?
In Myrtle Grove, NC, the beneficiaries of any investment performance are individuals who are part of the greater community. These beneficiaries benefit in terms of increased access to resources, employment opportunities, and economic growth, as well as enhanced sustainability and quality of life. Through positive investment performance, beneficiaries are able to enjoy increased assets and wealth, as well as improved overall well-being, security and autonomy. Investment performance can also bring about economic stability, leading to an increase in socio-economic opportunities and security throughout Myrtle Grove and its surrounding areas.
Can I withdraw or borrow from a variable life insurance policy Myrtle Grove?
In Myrtle Grove, NC, you may be able to withdraw or borrow from the cash value of your variable life insurance policy. Depending on the terms and conditions of the policy, you may be able to access the cash value for any number of reasons including retirement, education funding, or other expenses. However, it is important to consider the implications of borrowing from the cash value, such as potential surrender fees, interest charges, and tax implications that are associated with such actions. It is also important to discuss any borrowing options with your life insurance provider before making any decisions.
What fees are there with variable life insurance near Myrtle Grove?
In Myrtle Grove, NC, the fees associated with variable life insurance depend on a variety of factors including the insurance company from which the policy is purchased, the age and health of the insured, and the policy benefits. Generally, these fees, which may include an insurance premium, following-up benefits costs, management fees, and mortality expenses, can be quite reasonable. Furthermore, in some instances, policyholders are given the option to customize certain insurance features and, as a result, tailor the associated fees to their particular budget.
Can I include riders in my variable life insurance quote Myrtle Grove?
Yes, you can add riders to your variable life insurance policy in Myrtle Grove, NC. Riders are extra features that are an add-on to the existing policy and allow you to customize your coverage to your specific needs. For example, you may want to add a rider to increase the death benefits, add a policy waiver of premiums or extend the terms of your coverage. To find the right riders for you, talk to a licensed insurance agent in Myrtle Grove, NC who can give you more information and help you determine which riders to add.
In Myrtle Grove, NC, age restrictions do apply for purchasing variable life insurance. Generally, the minimum age requirement is 18 years old and the maximum age limit is 70. However, those limits may vary among different providers operating in the area. Therefore, it is best to inquire directly with your desired insurer about their restrictions on both minimum and maximum age limits for individuals purchasing variable life insurance.
How does cash value growth influence death benefit with variable life insurance policies near Myrtle Grove?
In Myrtle Grove, NC, the cash value growth in variable life insurance plays an important role in impacting the death benefit. As the cash value increases, so does the death benefit due to the policyholder's premium payments and related investment gains to the cash value account or sub-accounts. This means that the more the policyholder pays in premiums, the higher the death benefit should be -provided the cash value continues to increase. If the cash value fails to increase, then the death benefit will stay at the same amount.
How regularly should I check my variable life insurance in Myrtle Grove?
It is recommended that you review your variable life insurance policy at least once a year in Myrtle Grove, NC. Because of the changing insurance market, it is important to review your coverage annually to make sure that your policy is keeping up with the legislation and regulations in the area. Furthermore, it's important to conduct a review to make sure that your policy still meets your current needs and objectives. It is recommended to review your policy with a licensed professional, such as an independent insurance agent, who will be able to answer any questions you may have and recommend a policy that suits your changing needs.
Is the cash value in my Myrtle Grove variable life insurance policy safe from creditors?
In Myrtle Grove, NC, variable life insurance is protected from creditors. The cash value in the policy would be exempt from creditors seizing assets, as it is protected by state and federal laws. Depending upon the state laws, creditors have the right to access money that is already withdrawn from the policy, but cash value is generally not available to be taken by creditors. Policy owners in Myrtle Grove, NC should also be aware that a creditor might be able to place a lien against the policy itself, along with other assets the policy owner owns.
Do I get dividends from my Myrtle Grove variable life insurance company?
If you own a variable life insurance policy from Myrtle Grove, NC, you may be eligible to receive dividends from the investments within the policy, depending on the particular policy and the performance of the underlying investments. Generally speaking, if your policy has a cash value, you may be eligible for a dividend, which could be cash or applied to the policy to purchase additional insurance. Talk to your agent to find out which dividend options may be available to you.
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