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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 North Palm Beach, 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
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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 North Palm Beach, FL.
Frequent Questions...
Variable life insurance is a policy that allows you to invest policy premiums in different types of financial instruments or funds. The premiums for a variable life insurance policy in North Palm Beach, FL may not be fixed, as the amount you pay will depend on the performance of your chosen funds. However, you will receive guaranteed death benefit regardless of the performance of those funds if you maintain premium payments. It's important to note that if you make withdrawals from your variable policy, the death benefit and eventual cash value may decrease.
Can I cancel my policy after getting variable life insurance quotes in North Palm Beach?
Yes, you can cancel your variable life insurance policy if you live in North Palm Beach, FL. However, it is important to note that this decision should be made with the help of a knowledgeable financial advisor. To make sure you understand all the possible implications of the cancellation of your policy, it is highly recommended that you make an appointment with an advisor at a life insurance agency near you. A professional will be able to walk you through the cancellation process with up-to-date knowledge about the best way to navigate this situation in your specific financial circumstances.
How does the cash value work for a variable life insurance policy North Palm Beach?
The cash value component in variable life insurance policies offers North Palm Beach, FL policyholders the ability to accumulate cash value on a tax-deferred basis. As contributions are made to the policy, these funds are invested in a variety of sub-accounts, similar to mutual funds, chosen by the policyholder. The policyholder is then able to access the cash value to use as needed, receiving these funds either directly or through policy loans. This unique feature provides policyholders with increased flexibility, allowing them to adapt to changes in their financial situation.
What fees are there with variable life insurance near North Palm Beach?
In North Palm Beach, FL, fees associated with variable life insurance can vary depending on the provider and the amount of coverage that is selected. It is important to talk to a financial professional who can provide specific information on fees associated with variable life insurance in your area. Some fees that you may encounter could include fees for policy maintenance, policy administration, mortality costs, investment management, and various fund expenses depending on the type of insurance that you select. It is important to talk to your insurance provider in order to gain a full understanding of fees associated with variable life insurance.
Is there a minimum guaranteed return with a variable life insurance quote North Palm Beach?
Variable life insurance policies differ from other insurance policies in that they provide policy owners with an opportunity to take part in the potential growth of the financial markets, offering the potential for greater returns than a traditional fixed life insurance policy. Though variable life insurance policies do not offer a minimum guaranteed return, they are a great option for those in North Palm Beach, FL looking for a long-term, growth-oriented investment strategy and a strong death benefit. Additionally, variable life policies offer a number of other features such as flexible payments and the option to adjust the death benefit to meet changing needs.
The death benefit varies greatly depending on the investment performance of a life insurance policy holder in North Palm Beach, FL. Those who invest in long-term, high-yield investments may see an increase in the death benefit while those who are more conservative may see a decrease. It is important to remember that the death benefit may not be the same as the original investment, and the level of risk taken should be discussed with a financial advisor as it can impact the size of the benefit obtained.
How does cash value growth influence death benefit with variable life insurance policies near North Palm Beach?
Variable life insurance in North Palm Beach, FL is an attractive choice for many insurance seekers, as the cash value growth can affect the death benefit in a positive way. When the policyholder contributes to the cash value, this can potentially result in a higher death benefit when the policyholder passes away, and the beneficiaries receive the benefit of the death benefit payout. In addition, if the policyholder withdraws more cash than the earned interest, the death benefit is reduced, but as long as the earnings in the policy exceed the amount withdrawn, the death benefit will remain the same or even increase.
Are management fees for variable life insurance in North Palm Beach similar to mutual funds?
The management fees for variable life insurance in North Palm Beach, FL can vary greatly depending on the product you select. Generally speaking, they are comparable to regular mutual funds in that you are able to have professional management of your funds. However, the fees can be slightly higher than those of mutual funds due to the additional complexity and risk of the life insurance product. Ultimately, it's important to note that your goal should be to select the best product that suits your needs and budget.
Can I use my North Palm Beach variable life insurance policy for retirement savings?
Yes, variable life insurance can be used as a retirement savings vehicle for North Palm Beach, FL residents. Variable life insurance functions like a retirement plan, allowing locals to make periodic payments while also allowing them to choose their own investments, giving policy holders control over how their funds are distributed. Additionally, as a savings vehicle, variable life insurance may prove beneficial to North Palm Beach residents thanks to the tax-advantaged options available. Funds in this type of product grow tax deferred, meaning no taxes on the growth until it is withdrawn.
Can I convert from term life insurance with a North Palm Beach variable life insurance company?
Yes, it is possible to convert a term life insurance policy to variable life insurance in North Palm Beach, FL. Variables policies allow you to invest the premium in stocks, mutual funds, and other investments, and you can adjust or terminate the policy at any time. This option may be particularly attractive to those who are looking for more flexibility and control with how they manage and invest their money. Such policies may also be beneficial for those who want to provide additional life insurance coverage to their beneficiaries.
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