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With PolicyHub you get to compare over 37 Omaha, NE 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 Omaha, NE. 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 Omaha, NE.
Frequent Questions...
Variable life insurance offers Omaha, NE policyholders the potential to pursue higher returns and benefit from potentially more flexible options than with other life insurance policies. Variable life insurance policies typically offer the policyholder control over the investments chosen from a broad range of mutual funds and other investments, whereas other life insurance policies typically do not. The downside is that variable life policies tend to be more complex and require policyholders to carefully monitor their account performance, whereas other life policies can be simpler and their returns are guaranteed or fixed.
Can I use my variable life insurance quotes in Omaha as collateral?
While variable life insurance cannot typically be used as collateral to secure a loan in Nebraska, Omaha loan officers may be able to provide alternative forms of loan collateralization. For example, Omaha residents could use a car, other personal property, or cash reserves as loan collateral. Omaha residents should speak with a qualified loan officer to identify all the potential loan collateralization options available to them in Nebraska.
How does the cash value work for a variable life insurance policy Omaha?
The cash value component of variable life insurance is a unique feature that appeals to many Omaha, NE residents. It allows policyholders to build cash value in their policy and use it to pay for premiums or even borrow against it. The attraction of this feature lies in the fact that policyholders have some control over their policy, and have the potential to earn a favorable return on their investment. At the same time, they are still eligible to receive the death benefit of their policy and the retirement, tax, and estate planning benefits that the policy provides.
How often can I modify my investments in variable life insurance near Omaha?
In Omaha, NE, the frequency with which you can change your investment selections with variable life insurance will vary based on your provider and the type of policy you have chosen. Generally speaking, you can amend your investment choices at any time; however, in order to ensure that all terms and conditions are followed correctly, it's a good idea to discuss the specifics with your insurance professional. By taking the time to talk to them, you can make sure you are taking full advantage of all the features and options that variable life insurance offers in Omaha, NE.
How does a variable life insurance quote Omaha handle dividends?
Dividends from variable life insurance policies in Omaha, NE, are treated as additional premiums and can be used to purchase additional contractual features, such as death benefit options, or increase the current death benefit amount. Dividends can also be used to purchase additional coverage or pay premiums due on the policy, or be taken as a cash payment or credited to the policyholder's account value. Whatever the policyholder uses the dividends for, they may be subject to surrender charges or other contractual limitations.
Omaha has specific regulations regarding fund transfers within the policy, which are enforced by the Nebraska Department of Banking and Finance. Generally, local banks and credit unions are able to offer transfers without a maximum amount. However, the National Bank Act forbids interstate transfers, which may limit the amount of funds transferred. In addition, companies or banking institutions may impose restrictions on account holders, such as minimum transfer amounts, international transfers requiring time periods, and maximum daily transfers. Omaha residents considering fund transfers should contact their local banking institution to ensure compliance and identify any possible restrictions.
Can I upgrade variable life insurance policies near Omaha to another policy type?
Absolutely! In Omaha, NE, there are several reputable companies that offer policy conversions for variable life insurance. Working with an experienced advisor and/or your financial institution can help you to determine what type of new policy may be best for you and explain the advantages of converting. It's important to note that if you decide to upgrade, you may need to provide additional information related to personal financial history, health status, or other criteria to qualify for the new policy.
How regularly should I check my variable life insurance in Omaha?
In Omaha, NE, you should review your variable life insurance policy annually or when your circumstances change. Understanding the nuances of your specific policy, and any changes in your life, is key to understanding exactly how much coverage you require. It is recommended that you update your policy each year to make sure it still meets your financial needs. An experienced financial advisor can also help you assess your coverage for any gaps and decide the best way to protect your investments and family.
Can I use my Omaha variable life insurance policy for retirement savings?
Yes, variable life insurance can be used as a retirement savings vehicle in Omaha, NE. Omaha residents can use flexible premium variable life insurance policies to save for retirement. These policies provide a lifetime death benefit as well as an investment portion. The policyholder can choose how to allocate the premium payments between the cost of insurance and the investment sub-accounts, allowing for a personalized approach to retirement savings. Variable life insurance policies involve investment risk that may fluctuate in value based on the performance of the underlying investments.
How do loans affect death benefits with my Omaha variable life insurance company?
Policy loans on a variable life insurance policy in Omaha, NE typically reduce the death benefit by the amount of the loan. The associated interest usually compounds, increasing the amount of funds a beneficiary inherits from the policy once a policyholder passes away. Even if the death happens during a period when the policy's cash value has decreased, the remaining death benefit is determined by the initial face value less the loan's balance. It's important to consider the long-term implications of taking out a policy loan since it can reduce the value of a family's inheritances.
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