Compare over 37 Variable Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Ogden, UT Variable Life Insurance policy providers in as little as 15 minutes. Save time. Save big. Get started now.
Find the perfect plan from over 37 providers
Your one-stop-shop to compare all the rates, all at once.
With PolicyHub you get:
Over 37 policy provider comparison.
Explore multiple policies from all the leading insurers and choose the one that fits your needs.
Locked in rate discount and exclusive deals.
Benefit from exclusive deals offered only to residents of your state, and lock in huge rate discounts.
Customized policies just for you.
Our team tailors policies to your unique needs, meaning optimal coverage at competitive rates.
"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
ATTN: 2024 Variable Life Insurance rates just released!
Get the latest Variable Life Insurance rates for 2024 and lock in your policy today! Get started comparing policies right now.
Get the Variable Life Insurance plan with the cheapest rates in 3 easy steps.
Done in 3 easy steps
Step 1
Tell us about yourself.
Finding the perfect life insurance policy starts with answering a few questions to help us serve you better.
Step 2
Compare rates & plans.
Discuss your options with a licensed insurance agent. Compare plans to find the best policy & cheapest rates.
Step 3
Lock in cheap rates.
Secure the lowest rates and lock in the perfect life insurance policy for you and your family.
"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.
Get started in less than 15 minutes.
With PolicyHub getting started is easy. Compare all the Variable Life Insurance rates from all the providers in Ogden, UT. 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.
![]() |
Option 1 | Option 2 | ||
---|---|---|---|---|
100% Digital | ||||
Licensed Agents | ||||
Expert Support | ||||
Get Started in 15 minutes | ||||
Decades of Experience | ||||
Compare 37+ Providers | ||||
Zero Hidden Costs | ||||
Top Insurance Providers |
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 Ogden, UT.
Frequent Questions...
Yes, premiums for Variable Life Insurance in Ogden, UT are fixed. Depending on the type of policy you choose and the provider, your premium rate may remain the same for the life of your policy, or it may be fixed for a certain period of time. Your premium will factor in your age, health, and the type of policy. When selecting a Variable Life Insurance policy you should always speak with your provider about the specifics of the policy, as different providers may have different premium structures.
With variable life insurance quotes in Ogden, how is the beneficiary impacted by investment performance?
The investment performance in Ogden, UT will affect how beneficiaries are able to enjoy the fruits of the investment. Beneficiaries may experience a greater return on their investments during periods of economic growth in the area, allowing them greater access to resources and increasing their financial stability. Conversely, if investments experience a downturn in performance, beneficiaries may find it more difficult to access the resources and resources they need. In any case, beneficiaries can benefit from the availability of financial education and guidance to help them secure better investment outcomes.
With a variable life insurance policy Ogden, can I decide where my premiums are invested?
Yes, you can choose where your premiums are invested with variable life insurance in Ogden, UT. Depending on the specific variable life insurance plan you choose, you may be able to invest your premiums in stocks, bonds, mutual funds, and other similar investments tailored for your specific goals and risk tolerance. Itβs important to discuss your specific options with your financial advisor in Ogden, UT to determine which type of variable life insurance plan is right for you and your long-term financial goals.
Is there a death benefit guarantee with variable life insurance near Ogden?
In Ogden, UT, variable life insurance generally does not provide a guaranteed death benefit. It is important to speak to a qualified representative to understand the specific terms of the insurance policy as this can differ between providers. As a form of permanent life insurance, variable life insurance allows you to potentially obtain a death benefit as the policy accumulates cash value over time. However, there is no assurance that a death benefit will be provided and the death benefit itself may not be equal to the cash value of the policy.
What are the surrender fees for a variable life insurance quote Ogden?
Surrender charges for variable life insurance policies vary significantly and depend on your specific policy and location. In Ogden, UT, many life insurance providers who offer variable life insurance policies base their surrender charges off of factors such as the amount of the policy, the policy's duration, and the terms and conditions of the policy. Additionally, the age of the policyholder may also affect the surrender charges. It's important to discuss your specific policy with your provider to understand the surrender charges associated with your coverage.
Ogden, UT residents can reap the primary benefits of variable life insurance, such as accumulating cash value on a tax-deferred basis and having flexible payment options. Variable life insurance provides lifelong protection and offers investors the potential to build their policy's cash value up over time. In addition, since the premiums are flexible, they can be adjusted throughout life's different stages, allowing investors to choose an amount that best suits their budget.
Do variable life insurance policies near Ogden provide guarantees on returns?
Variable life insurance policies do not work the same way as standard life insurance policies; there are no fixed returns with variable life insurance policies. While variable life insurance policies can provide death benefit protections, the growth and return on any policy investments are largely based upon the performance of the underlying mutual funds. Therefore, while no guarantees can be offered, Ogden, UT-based financial advisors may be able to provide valuable insights and guidance on how to best diversify your portfolio and investment objectives.
Can I change investment options for variable life insurance in Ogden without tax effects?
In Ogden, UT, you can absolutely switch between investment options without any tax implications. However, it is important to ensure that investments fall within the Internal Revenue Service (IRS) guidelines for long-term financial investments, or those held for more than one year. If you are unsure of which investment options are available to you or need to clarify the tax implications of changing investments, you may wish to consult with a financial advisor or tax specialist in the Ogden, UT area. Furthermore, many online resources are available that can provide helpful information pertaining to investment options and all associated fees and paperwork.
Can I use my Ogden variable life insurance policy for retirement savings?
Residents of Ogden, UT can certainly use variable life insurance as a retirement savings vehicle. This type of insurance provides flexibility, as it allows individuals to adjust their policy's premiums and death benefits to meet their specific financial goals and objectives. Additionally, policyholders can also make contributions to their policy on a tax-deferred basis, allowing them to potentially earn a higher rate of return on their retirement savings. By pairing a disciplined approach with a comprehensive financial plan, variable life insurance can help Ogden residents effectively build a secure financial future.
Do I get dividends from my Ogden variable life insurance company?
In Ogden, UT, generally, variable life insurance policies do not pay dividends. Variable life insurance is designed to provide you with life insurance coverage and a death benefit, as well as the potential for growth of your investments, while the premiums remain fixed. As you would receive in any other investment product, you may also receive capital gains on the investments in your variable life policy. Rather than receiving dividends, however, will receive the declared return of the underlying investment, if your investments outperform the policy's declared rate of return.
Compare Ogden, UT Variable Life Insurance Policies
Get started today and compare over 37 Variable Life Insurance providers in as little as 15 minutes.
© 2024 PolicyHub - all rights reserved