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With PolicyHub you get to compare over 37 O'Fallon, MO 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 O'Fallon, MO. 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 O'Fallon, MO.
Frequent Questions...
Variable life insurance is a type of life insurance policy that allows the policyholder to invest part of their premium payments into different investment options, such as mutual funds. O'Fallon, MO residents may benefit from this policy, as they can decide how to use their funds and where to allocate them. Variable life insurance can also provide flexibility in terms of death benefit amounts and is generally used as part of an estate and/or financial planning strategy.
Can I cancel my policy after getting variable life insurance quotes in O'Fallon?
Yes, you can cancel your variable life insurance policy in O'Fallon, MO. Canceling your policy involves submitting a written notice of cancellation to your insurance provider. Once the notice is received, the company will proceed to cancel the policy, and you will receive a refund for any premium payments made since the effective date of the policy. Additionally, any interest accrued on your premiums may be returned to you in the form of a cash surrender value. It's important to note that it may take some time for the insurance provider to process the cancellation and issue the refund.
With a variable life insurance policy O'Fallon, can I decide where my premiums are invested?
Yes, with variable life insurance in O’Fallon, MO, you have the freedom to choose where your premiums are invested. You are able to select from investment opportunities such as stocks, bonds, mutual funds, and exchange traded funds. Depending on the type of variable life insurance policy, you may be able to customize the composition of your portfolio, aiming for a specific return within predetermined risk parameters. Investment options and available funds are specific to each provider and may include distributions from both the general account of the insurer and separate accounts offered by the insurance company.
What fees are there with variable life insurance near O'Fallon?
The specific fees associated with variable life insurance in O'Fallon, MO will vary based on the policy type, insurer, and other factors. However, they can typically include the cost of the policy or premium amount, administrative fees, and optional riders. Premiums may be paid monthly, quarterly, semi-annually, or annually, and typically, the longer the duration of the policy, the lower the premiums.
Can I include riders in my variable life insurance quote O'Fallon?
Absolutely! The O'Fallon, Missouri area is home to multiple reputable life insurance agencies who offer flexible coverage plans with options to add riders to a variable life insurance policy. Adding riders to your policy can provide important additional protection such as waiver of premium guarantees, juvenile coverage, and accident protection. Whether you need additional coverage for your family or personal assets, there are options available to suit your unique situation. Discuss your desired coverage with an agent to determine which riders would best fit your lifestyle.
Variable life insurance in O'Fallon, MO can provide short-term coverage needs depending on your individual circumstances and needs. Variable life insurance policies can provide flexible funding for all ranges of coverage periods and they offer the opportunity to customers to decide how much and how often they want to invest in their life insurance policy. Additionally, variable life insurance policies can also offer higher levels of tax-deferred growth on investments which can potentially provide more long-term financial growth opportunities than traditional fixed term policies.
Can I direct specific investment strategies for variable life insurance policies near O'Fallon?
Yes, in O'Fallon, MO the policyholder does have the ability to dictate specific investment strategies for the cash value. Insurance companies are willing to work with the policyholder to create an individualized investment strategy, taking into consideration the specific needs, goals, and financial situation of the policyholder. Keep in mind that there may be restrictions on specific investments, and it's important to consult with a financial planner prior to making any investment decisions.
Does all variable life insurance in O'Fallon offer the same investments?
No, variable life insurance policies do not offer the same investment options. It depends on the type of variable life insurance policy and where it is issued. In O’Fallon, Missouri, the type of variable life insurance policy and its associated investment options depend on the insurer, as each one has specific guidelines and offerings for their policies. For instance, one insurer may offer mutual funds, stocks, and bonds as investment options, while another may specify that only bonds are an available option. It is important to research the specific policies to understand all the investment opportunities available.
Can I use my O'Fallon variable life insurance policy for retirement savings?
Residents of O'Fallon, MO looking for a financial vehicle that can help them save for retirement may find variable life insurance to be an appropriate option. This type of insurance plans offers the ability to make tax-deferred investments in a variety of underlying funds, with the upside potential for market-rate returns, and in many cases, include access to leverage for increased returns. This means that individuals have the potential to earn a preferable rate-of-return on their investments than many other retirement savings options.
Does my O'Fallon variable life insurance company offer a grace period for premium payments?
Yes, there is a grace period for premium payments in variable life insurance for policyholders in O'Fallon, MO. Generally, you have approximately 30 days after the due date of the premium payment to make the payment before a policy lapses. It is important to be aware of this period before missing an essential payment. To prevent your policy from lapsing, be sure to submit payments on time or contact your insurance provider to ask about options if you are unable to make a payment on time.
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