Compare over 37 Variable Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Orangeburg, SC 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 Orangeburg, SC. 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 Orangeburg, SC.
Frequent Questions...
Variable life insurance is a type of life insurance policy that provides a death benefit but also gives you the opportunity to invest in different funds. Variable life insurance is available to people in Orangeburg, SC, who are looking for more flexible options when it comes to life insurance. Variable life insurance enables you to increase your policy's death benefit as well as the value of your policy over time by investing a portion of your premiums in a variety of different funds. This type of policy appeals to individuals and families striving for long-term investment growth and control over their premium payments.
With variable life insurance quotes in Orangeburg, how is the beneficiary impacted by investment performance?
In Orangeburg, SC, beneficiaries of investments can be positively affected by good investment performance, as their returns in income, growth, or capital gains will be greater. Conversely, poor investment performance can have the opposite effect, resulting in less or even no return on their investments. Therefore, it is important that wise, informed decisions are made when it comes to investing in order to maximize the benefits for beneficiaries while limiting risk.
Can I withdraw or borrow from a variable life insurance policy Orangeburg?
In Orangeburg, SC, you can withdraw or borrow against the cash value of your variable life insurance policy provided you are over the age of 18. However, it is important to be aware that whenever you withdraw money from the policy cash value, you will reduce your death benefit, reduce the dividends you can earn, and increase the risk of policy lapse. Additionally, you will likely owe surrender charges for withdrawing money early. To find out more, contact a licensed life insurance agent in Orangeburg or your insurer and ask questions about your specific policy and options.
What fees are there with variable life insurance near Orangeburg?
In Orangeburg, SC, the fees associated with variable life insurance vary based on the carrier and policy you choose. Typically, you can expect the policyholder to pay a sales charge for purchasing the policy, as well as annual administrative and maintenance fees. Additionally, the costs of investing in the securities underlying the policy may also be included in the fee structure. It is important to review your policy with an experienced insurance agent in Orangeburg to understand the fees associated with variable life insurance and to determine if it is a good fit for your needs and situation.
Can I include riders in my variable life insurance quote Orangeburg?
Yes, you typically can add riders to your variable life insurance policy. In Orangeburg, SC, you'll want to consult with an experienced local agent to determine which riders are available in your area and how they would apply to your policy. Riders are supplemental benefits that can be added to your life insurance policy, making it more comprehensive and ultimately more beneficial to you. As always, it's important to review any details with your insurer with any addition to a policy, as terms can vary.
Yes, in Orangeburg, SC, there are some limitations on fund transfers within the policy. Any transfers must take place within the bank, and not with an outside institution. Transfers also cannot be more than $10,000 in a single day, and must not exceed the balance of the account. All transfers must also be made by the account holder or a joint account holder designated in writing by the account holder. Furthermore, the account holder is responsible for all fees and charges associated with the transfer.
How does cash value growth influence death benefit with variable life insurance policies near Orangeburg?
The cash value growth in variable life insurance in Orangeburg, SC has a direct impact on the death benefit. Through the use of sub-accounts funds can be invested into stocks, bonds, equity & fixed income options. As the funds in the sub-accounts appreciate, the death benefit amount increases correspondingly. However, there is some risk associated with this, as in any type of investment, since, when market conditions are unfavorable, the death benefit can decrease. Therefore, careful consideration should be taken when selecting investment options for the sub-accounts.
How can I monitor performance of my variable life insurance in Orangeburg?
Tracking the investment performance of variable life insurance can be done with the help of a financial advisor in Orangeburg, SC. They will be able to provide you with information on the current performance of the investments and help you to make decisions on how to adjust your portfolio to maximize returns. Financial advisors will also be knowledgeable about the current market and advise on any opportunities to increase returns, such as tax-advantaged investments. They can also provide access to portfolio tracking tools to monitor your investments over time.
Is my Orangeburg variable life insurance policy considered permanent life insurance?
Variable life insurance is a type of permanent life insurance, however it is specifically designed for customers in Orangeburg, SC who desire more overnight investment growth potential and a greater degree of financial flexibility. Variable life insurance offers policyholders the potential to increase their cash value over time, while death benefits remain level. This means that if the stock market is thriving in Orangeburg, SC, then policyholders will be able to be more financially active with their variable life insurance policy.
Do I get dividends from my Orangeburg variable life insurance company?
If you live in Orangeburg, South Carolina and have a variable life insurance policy, you may be eligible to receive dividends from the investments within the policy. In general, dividends are earned by shareholders when a company has made a profit. Depending on the structure of your policy, you may receive an established percentage of the money distributed from the investments based on the amount of your investment or the amount of the life insurance policy. Additionally, your dividends may be reinvested to increase the potential rate of return in the future.
Compare Orangeburg, SC 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