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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 Novato, 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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Mark Sidway
Variable Life Insurance agent
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 Novato, CA.
Frequent Questions...
Variable life insurance policies in Novato, CA can offer fixed or adjustable premiums. Fixed premiums remain the same throughout the life of the policy and adjustable premiums give the policyholder the ability to change the premium depending on their individual financial needs. With adjustable premiums, policyholders have the ability to increase or decrease their premium payments as needed, yet still maintain the same level of coverage they originally purchased. The terms of the policy will need to be reviewed to understand what the policy is offering, with regards to the premium payment.
Do variable life insurance quotes in Novato come with a cash surrender value?
Variable Life Insurance can have a cash surrender value, though it depends on the individual plan in Novato, CA. When you surrender your variable life policy, you will normally receive a cash payment that is equal to the cash surrender value. Many policies in the area will guarantee a cash value of at least 75% of the premiums you've paid. At best, the cash surrender value could equal the value of the policy, but this is rare and is highly dependent on the type of plan you purchased.
How does the cash value work for a variable life insurance policy Novato?
In Novato, CA, the cash value component of variable life insurance policies work by allowing policyholders to make low monthly payments while allowing them to also place money into a tax-deferred investment account. Any values that are earned or appreciated in this account is tax-deferred and also untaxed, meaning that policyholders have the potential to build a sizable fund over time. This money can then be used to keep the policy in effect, or it can be withdrawn for needs such as educational expenses or for retirement.
Do I need to understand investments for variable life insurance near Novato?
No, you don't need to be an investment expert in order to purchase variable life insurance in Novato, California.Though investment-savviness may enhance your knowledge of insurance products, understanding the mechanics behind investing is not mandatory. Most insurers who offer life insurance in Novato, CA provide counselors and advisors who can help you evaluate the choices available to you when shopping for variable life insurance products. They can also answer questions about how your investments may be affected by policy modifications. Ultimately, it is up to you to decide the best option for your individual financial needs.
Can I include riders in my variable life insurance quote Novato?
Yes, you can add riders to your variable life insurance policy in Novato, CA. Depending on the policy, you may be able to choose from different riders, such as child riders, waiver of premium riders, accelerated benefit riders and more. Each of these riders can help you customize your policy to fit your unique needs and provide additional coverage and access to your benefits. It's important to read the fine print when selecting riders, so you understand the costs and benefits associated with each one.
Yes, there are limitations on fund transfers within the policy in Novato, CA. All transfer requests submitted to the financial institution must comply with account size requirements, and transfers that exceed predetermined limits are subject to additional review. The bank may require additional information for transfers over a certain size or frequency. Transfers from personal savings accounts may also be limited in order to comply with federal regulations. Customers should review the rules outlined in their banking agreement for further information regarding transfer restrictions in Novato.
Do variable life insurance policies near Novato provide guarantees on returns?
Variable life insurance policies offered in Novato, CA are not guaranteed to provide specific rates of return. However, depending on the particular policy, these policies may provide some potential for financial growth through investment performance, as part of a well-rounded financial portfolio. It's important to note that the investment performance of the investments underlying variable life insurance policies is not guaranteed and can fluctuate due to changing market conditions and other factors. In addition, variable life insurance policies may also entail certain fees and charges, which can vary significantly depending on the particular policy.
How regularly should I check my variable life insurance in Novato?
In Novato, CA, it is important to review your variable life insurance policy at least annually or when you experience significant changes in your personal circumstances. Depending on the situation, it may be wise to review your policy more frequently in order to ensure that your policy continues to meet your long-term financial needs. Though it may seem like an extra step, periodically reviewing your variable life insurance policy will help you feel secure in knowing that you have the insurance protection that's right for you.
How liquid is the cash value of my Novato variable life insurance policy?
If you are in Novato, CA, the cash value in a variable life insurance policy can vary widely depending on several factors such as when the policy was taken out, the type of plan, and the performance of any investments made through the policy. Generally speaking, it is possible for the cash value to be highly liquid, providing access to its value through loans, withdrawals, or other methods. However, there may also be restrictions or fees associated with accessing the cash value, so it is important to consult a trusted insurance professional to determine the best course of action for your particular policy.
Can I convert from term life insurance with a Novato variable life insurance company?
Yes, you can convert your term life insurance to variable life insurance in Novato, CA. However, it is important to keep in mind that this process often comes with several questions. It may be beneficial to reach out to the insurance provider to properly discuss the details and the specifics of the situation. While the initial process can take some additional time, this process is designed to help ensure that you make the right decision for you and your lifestyle in Novato. It is important to research all of your options and consider the fees, charges, and penalties associated with the conversion prior to making any decisions.
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