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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 Orem, 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.
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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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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 Orem, UT.
Frequent Questions...
Variable life insurance is an insurance policy that allows the policyholder to invest a portion of the premiums paid into different investment vehicles including stocks, bonds, mutual funds and other investment choices that can provide the potential for an enhanced return. By investing in different options, the policyholder in Orem, UT can tailor the insurance plan according to their own risk tolerance and financial goals. The premiums paid for variable life insurance are generally higher than for other life insurance policies since a portion is being used for investments.
Do variable life insurance quotes in Orem come with a cash surrender value?
Yes, variable life insurance in Orem, UT typically has a cash surrender value. The cash surrender value is the amount of money a policyholder in Orem can receive when they terminate a variable life insurance policy. The amount of cash surrender value varies depending on the policy type, the policy's duration, and the account's performance. The cash surrender value may also be influenced by the policyholder's history of making premium payments.
How does the cash value work for a variable life insurance policy Orem?
In Orem, UT and throughout the U.S., the cash value component of variable life insurance works by offering policyholders access to the cash value that they have been able to build up through their premiums over time. Upon retirement or other goals, such as childrenโs education, policyholders can withdraw or borrow against the cash value of the life insurance policy to meet their financial objectives.
Is there a death benefit guarantee with variable life insurance near Orem?
Variable life insurance is an option available for those living in Orem, UT that offers the opportunity to benefit from the potential growth of the stock market. Although there is no guaranteed death benefit with variable life insurance, some policies offer cash values that can be accessed in the event of death to help their policyholder's beneficiaries in Orem, UT. While there is no guaranteed death benefit, as the stock market grows, so do the cash values associated with the policy, providing an overall higher return for those investing in variable life insurance in Orem, UT.
How does a variable life insurance quote Orem handle dividends?
In Orem, UT, dividends paid by variable life insurance policies are treated as a reduction in the premiums owed to the insurer. This money is used to pay existing premiums and/or increase the amount put aside for future premiums. The policyholder can use any unutilized dividends for death benefits, cash accumulation, extra premiums and other policy benefits. In addition, the policyholder can opt to receive dividends in cash each year. Ultimately, dividends can help a policyholder reduce their current out-of-pocket costs and/or utilize their policy's tax-deferred benefits more efficiently.
Variable life insurance may be suitable for short-term coverage needs depending on your particular circumstances. Generally, to accommodate short-term coverage needs in Orem, UT, it's best to consider a term life insurance policy, which allows you to decide how long you'd like the policy to remain in place. However, if you are looking at a long-term coverage goal and you have flexible assets that you can apply to your policy, variable life insurance might suit you.
Can I upgrade variable life insurance policies near Orem to another policy type?
Yes, you can absolutely upgrade your variable life insurance to another type of policy. The type of policy that best suits your needs and circumstances may depend on different factors, so it is always best to consult with an experienced insurance professional in Orem, UT. Understanding your current life insurance needs and developing a clear understanding of your long-term goals are important considerations to make when choosing a new policy type. Professional advice can help you come to the best decision for your future and ensure that your coverage is comprehensive and tailored to meet your individual needs.
Does all variable life insurance in Orem offer the same investments?
No, all variable life insurance policies do not offer the same investment options. Each policy is tailored differently for the individual insured depending on their unique financial situation and needs. Additionally, different geographical areas in the US have different investment options available, so the range of options for individuals in Orem, UT, would be different from those offered in other parts of the country. Ultimately, the best variable life insurance policy for an individual in Orem, UT is one that is tailored to their particular financial situation, goals, and needs.
How does my Orem variable life insurance policy handle loan interest?
In Orem, UT, variable life insurance policy loan interest is treated similarly to that of other life insurance policies. Generally, policy loan interest is not tax deductible and will have to be paid back from policy cash value prior to any withdrawals or benefits being paid. For policyholders in Orem, UT, it is important to be aware that the interest rate may be inflated and can quickly increase the outstanding balance of the loan.
Can I convert from term life insurance with a Orem variable life insurance company?
Yes, you can convert your term life insurance to variable life insurance in Orem, UT. You simply need to contact a licensed life insurance provider to discuss your options. Depending on the policy you currently have, the provider can explain different types of life insurance available to you and help you determine whether converting your policy is the best choice for your specific situation. When you do convert, it may result in changes to current policies available, such as premium amounts, face value, or death benefit.
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