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With PolicyHub you get to compare over 37 New Port Richey, FL 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.
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With PolicyHub getting started is easy. Compare all the Variable Life Insurance rates from all the providers in New Port Richey, 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.
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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 New Port Richey, FL.
Frequent Questions...
Variable life insurance in New Port Richey, FL differs from other life insurance policies in that the policyholder will have the opportunity to invest their premiums in different funds, such as a variety of stock and bond options. This allows the policyholder to build a customized portfolio of stocks and bonds that is tailored to their specific financial needs. The returns earned on the investments are credited to the policy and will add to the death benefit of the policy. Riskier investments with the potential for larger returns will be balanced with conservative investments to help minimize the amount of risk involved.
With variable life insurance quotes in New Port Richey, how is the beneficiary impacted by investment performance?
The investment performance in New Port Richey, FL has a direct effect on beneficiaries as it can increase or decrease their financial return. If the investment performs well, the beneficiary may be able to withdraw a larger amount of money to put towards necessities or other financial goals. Conversely, if the investment performs poorly, the beneficiary may not withdraw as much money or may not have enough for their intended purpose. In any case, the beneficiary's financial stability is determined by the success of the investment.
How does the cash value work for a variable life insurance policy New Port Richey?
Variable life insurance in New Port Richey, FL offers coverage and access to the potential of a cash value component as well. This provision works by providing policyholders access to a portion of the death benefit as cash value while they are still living. This component interacts with the investments portion of the policy, integrating cash value which the policyholder can use for investment growth, access for loans, or periodic withdrawals. When properly managed, it can provide a reliable source of long-term supplemental income.
How transparent is the investment performance of variable life insurance near New Port Richey?
Residents of New Port Richey, FL looking for peace of mind when it comes to their investment performance in variable life insurance can rest assured that transparency is of the utmost importance to policyholders. Our policyholders have direct access to their investment performance information and are continually updated with notifications of a change in their investment portfolio. Additionally, our policies offer investment-oriented advisors and education resources to ensure that policyholders comprehend their insurance policies and the performance of their investments. We strive to make sure that all of our policyholders have a comprehensive understanding of their policies for maximum success and peace of mind.
What are the surrender fees for a variable life insurance quote New Port Richey?
The surrender charges for variable life insurance may vary depending on where you live in New Port Richey, Florida. Generally speaking, the surrender charge for variable life insurance is approximately 9-12% of the current fund value on a decreasing schedule that diminishes to zero typically over a 10 year period. However, it is essential to speak with your life insurance provider to determine exactly what surrender charges may apply to the policy of variable life insurance that you have purchased, as the charges may differ depending upon the terms of the policy.
In New Port Richey, Florida, the death benefit of an investment can vary depending on its performance. Generally, if an investment performs well, the death benefit associated with it will be higher. Inversely, if an investment underperforms, or even loses money, the death benefit will be lower in value. It is important to review the performance of an investment before you determine how it can affect the death benefit associated with it.
Can I upgrade variable life insurance policies near New Port Richey to another policy type?
Yes, upgrading your current variable life insurance policy to another type of policy is possible in New Port Richey, FL. To get started, you should reach out to local insurance agent for assistance. They can review your specific case and provide tailored advice to your particular situation. With insurance agents in the New Port Richey area, you're certain to find a suitable policy that best meets your financial and retirement goals.
Can I change investment options for variable life insurance in New Port Richey without tax effects?
Yes, you can switch between investment options without tax implications provided you are doing so from an account within the state of Florida, such as those offered at banks in the New Port Richey area. Any monies that you transfer from one account to another within the same state are not subject to income taxes as long as you remain as a resident of Florida. Additionally, there are a variety of investment options available from the many financial firms operating in New Port Richey, both online and in-person, which can provide the diversification that you may need.
How liquid is the cash value of my New Port Richey variable life insurance policy?
The cash value of a variable life insurance policy in New Port Richey, FL depends on the amount you're investing, the length of the policy, and the types of funds chosen. The cash value of your policy typically increases as you make payments over time and as your funds grow in value. Although the funds in a variable life insurance policy are liquid, you may incur a withdrawal penalty and could face surrender charges if you withdraw funds. Additionally, it's important to remember the value of variable life insurance policies can also fluctuate.
Does my New Port Richey variable life insurance company offer a grace period for premium payments?
Yes, premium payments for variable life insurance policies are generally due on or before your due date, and most insurers in the New Port Richey, FL area typically offer a grace period, usually 10 days, in which to pay your premium without accruing a late fee or penalty. It is important to remember to pay the premium during the grace period, or else the policy will lapse. If you are ever uncertain about the grace period you have for policy premium payments, please contact your insurer for the most up-to-date information.
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