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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 Newport Beach, 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.
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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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Mark Sidway
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Mark Sidway is a Variable Life Insurance agent licensed in your state.
Cale Reeves
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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 Newport Beach, CA.
Frequent Questions...
A variable life insurance policy in Newport Beach, CA contains three primary components: death benefit, cash value, and investments. The death benefit is a sum of money paid to the beneficiary when the policyholder passes away. The cash value is money built over time by the policyholder within the policy, which, depending on the policy, may be used to pay premiums or used as a source of funds. Finally, policyholders have the ability to invest in a variety of underlying investments that can provide a potential for growth.
With variable life insurance quotes in Newport Beach, how is the beneficiary impacted by investment performance?
Beneficiaries of investments in Newport Beach, CA are often affected in numerous ways by the performance of those investments. A good performance can lead to higher returns, while poorly performing investments can result in losses. Additionally, an unfavorable performance can mean that investments fail to meet expectations, leading to a lower than expected return on investments. Therefore, beneficiaries of investments in Newport Beach, CA are significantly impacted by the performance of those investments.
How does the cash value work for a variable life insurance policy Newport Beach?
Cash value component of a variable life insurance is a tax-deferred growth option that builds up the policyholder's financial net worth, particularly in Newport Beach, CA. Variable life insurance lets policyholders control their investments by choice depending on their risk appetite. With a variable life insurance policy, premium payments are placed in separate accounts, such as stocks, bonds, mutual funds, and other investment avenues, chosen by the policyholder. The policyholder has the chance to monitor their investments and can switch the investments at any time, depending on their maturity or investment goals.
How transparent is the investment performance of variable life insurance near Newport Beach?
In Newport Beach, CA, variable life insurance offers very transparent investment performance that you can monitor closely. A detailed report of the investments included in each policy can be provided to policyholders, and clients are able to adjust these investments as needed. In addition, variable life insurance customer service representatives are always available to answer any questions you may have regarding the performance and specifics of your investments. As such, it is easy to stay updated and informed about your investment progress, allowing you to make the best decisions for your financial future.
Can I include riders in my variable life insurance quote Newport Beach?
Yes, you are able to add riders to your variable life insurance policy in Newport Beach, CA. Your life insurance provider should be able to offer additional coverage such as disability income, accelerated death benefit, and waiver of premium riders that provide more security and benefit flexibility. Riders are typically an added cost, so make sure that you understand the pricing beforehand and know which riders may be best for your individual needs. Additionally, riders will modify the terms of the policy, so be sure to read through each of the rider's documents to confirm that you are comfortable with the changes before moving forward.
Variable life insurance is a great option for those in Newport Beach, CA seeking to meet their short-term insurance coverage needs. Variable life provides flexible and customizable options, allowing policyholders to adjust their death benefit payments and premium contributions. Many variable life insurance plans even allow policyholders to invest extra money and receive dividends. This makes it an ideal choice for those who may be looking to meet short-term financial needs and invest for the future at the same time.
How does cash value growth influence death benefit with variable life insurance policies near Newport Beach?
In Newport Beach, CA, the cash value growth of a variable life insurance policy will affect the amount of death benefit a family receives upon the policyholder’s passing. The cash value grows tax-deferred and is accumulated by the policy owner with the option of being withdrawn or borrowed to fund a wide variety of expenses. By allowing a policy owner to increase the amount of funds in their policy, the death benefit during their passing is greater than a policy without cash value growth.
Are management fees for variable life insurance in Newport Beach similar to mutual funds?
In Newport Beach, CA, variable life insurance management fees tend to be comparable to regular mutual funds. Depending on the plan or contract, the fees associated with variable life insurance can vary, they often include fund management fees, insurance company costs, and administrative and mortality expenses. In addition, some plans have taxes associated with them. It is important to research all of the associated costs and fees before selecting a policy, so you can make an informed decision about the plan that best suits your needs.
How does my Newport Beach variable life insurance policy handle loan interest?
The treatment of policy loan interest for variable life insurance in Newport Beach, CA will depend on the terms and conditions of the policy. Generally, a policy loan must be repaid with accumulated dividends, though interest on the loan must be paid separately if the policy provides for such an arrangement. The accrued policy loan interest can be paid directly to the life insurance company or have the interest compounded with the principal, though it is important to note that failure to pay both the principal and interest may result in a surrender tax or in worse cases, a lapse of coverage.
Does my Newport Beach variable life insurance company offer a grace period for premium payments?
Yes, there is a grace period for premium payments for Variable Life Insurance policies in Newport Beach, CA. The grace period allows additional time beyond the policy's standard due date to pay the premium, and typically begins immediately after the premium is missed. Different companies may have different specific grace period guidelines, so it is best to check the policy agenda to determine the exact terms of the grace period.
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