Taking too long? Close loading screen.
Compare over 37 Variable Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Ormond Beach, FL 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 Ormond Beach, FL. 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 Ormond Beach, FL.
Frequent Questions...
Variable life insurance is a form of insurance that allows policyholders in Ormond Beach, FL to choose specific investments from a range of options in order to build up funds for their policy. These funds grow tax-deferred, and can provide a death benefit as well. While it does take some expertise in investment selection, it also may provide an attractive rate of return as well. Variable life insurance also allows you to borrow against the accumulated cash value of the policy, if you need to with their flexible loan option.
Can I use my variable life insurance quotes in Ormond Beach as collateral?
Variable life insurance can be used as collateral for a loan depending on the lender and policies of the loan. Ormond Beach, FL is home to many lenders who may accept variable life insurance as loan collateral. It is important to consult with these lenders to learn more about their terms and conditions regarding loan collateral as they may differ from other lenders. Additionally, it is important to understand the risks involved when signing a loan agreement that requires variable life insurance as collateral, as the value of the life insurance policy may fluctuate thereby affecting the value of the loan.
Can I withdraw or borrow from a variable life insurance policy Ormond Beach?
Yes, you can potentially withdraw or borrow from the cash value of your variable life insurance policy in Ormond Beach, FL. It will depend on the specific terms and conditions of the policy, as well as any applicable state regulations. Generally speaking, you may be able to take out loans from your cash value or reimburse the policy against the loan with interest or make a partial withdrawal. Furthermore, some policies offer taxation or penalty-free withdrawals as long as you observe all guidelines. It is always best to consult with a qualified insurance professional to determine the best option depending on your individual needs.
How often can I modify my investments in variable life insurance near Ormond Beach?
With variable life insurance in Ormond Beach, FL, you have the flexibility to change your investment choices as often as you wish. This allows you to be proactive in managing your policy and making sure that your investments are meeting your goals. There is typically no limit to how often you can switch your investments, though any charges associated with the changes may vary from one insurer to another. It is, therefore, important to speak with a financial advisor or the insurer you are considering to understand the fees associated with changing your investment choices.
How does a variable life insurance quote Ormond Beach handle dividends?
In Ormond Beach, FL, dividends from variable life insurance policies are seen as a return of premiums the policyholder paid in that was not used to fund claims. The dividends can be used for a variety of purposes, such as purchasing additional life insurance, increasing the death benefit, or accumulating cash value in the policy. The policyholder can also use the dividends to pay the policy’s premiums as well as future policy charges. This can be beneficial for those looking for investment options with a low risk of loss.
Generally speaking, variable life insurance can be purchased by individuals between the ages of 18 and 85 in Ormond Beach, Florida. Minimum and maximum age requirements vary by company, so you should check with your insurer or an insurance agent before considering a policy. It's important to consider life insurance for all ages, as adequate protection is essential at any stage to provide for your loved ones.
How flexible are premium payments for variable life insurance policies near Ormond Beach?
Variable life insurance policies have a variety of premium payment flexibility options for Ormond Beach, FL customers. These may include the ability to change your premium payment frequency and amount, the ability to make a one-time lump sum payment or spread out your payments over a period of time, and the ability to stop payment and resume in the future. Customers may also be eligible for low cost auto pay options and other discounts. All of this flexibility, combined with the potential for cash value build-up make variable life insurance one of the most popular policy options for customers in Ormond Beach, FL.
How regularly should I check my variable life insurance in Ormond Beach?
In Ormond Beach, FL, the frequency of reviewing your variable life insurance policy should depend on how complex the policy is and any changes in circumstances. Generally, it is recommended to review the policy annually and more frequently if there have been any life changes such as a marriage, birth of a child or job change, which can lead to you needing an updated policy. If you have elected beneficiaries or have designated a trust to receive the benefits, then you should also review the policy every six to twelve months to ensure the information is accurate.
Is the cash value in my Ormond Beach variable life insurance policy safe from creditors?
In Ormond Beach, FL, the cash value in variable life insurance is protected from creditors. All life insurance cash values are shielded from creditors in most states and Florida is no exception. The exemption from creditors delivers peace of mind knowing that, should an unexpected financial difficulty occur, an individual's life insurance cash value will remain off-limits to creditors. Furthermore, death proceeds are also exclusionary from state and federal taxes, leaving more funds available for beneficiaries. These features make variable life insurance an ideal choice for those living in Ormond Beach, FL, and throughout the state of Florida.
Does my Ormond Beach variable life insurance company offer a grace period for premium payments?
While specifics may vary depending on the life insurance provider, typically in Ormond Beach, FL, policyholders with Variable Life Insurance policies have a grace period of 30 days for premium payments, allowing for a lenient timeframe for payment. If the premium payment is not received by the end of the grace period, coverage can be lapsed, meaning benefits are no longer provided. However, Ormond Beach-based policyholders should carefully read their insurance policy to better understand the details of the grace period offered for premium payments.
Compare Ormond Beach, FL 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
