Compare over 37 Variable Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Overland Park, KS 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 Overland Park, KS. 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 Overland Park, KS.
Frequent Questions...
A variable life insurance policy in Overland Park, KS consists of three main components: the cash value account, the death benefit, and the policyholder's premium payments. The cash value account can hold investments, accumulate gains and losses, and can be used to draw from during the policyholder's lifetime. Meanwhile the death benefit is the predetermined amount that is paid out to the policyholder's beneficiaries upon the policyholder's passing. The policyholder's premiums are the financial obligation paid to maintain the policy and are deducted from the cash value account each month.
With variable life insurance quotes in Overland Park, how is the beneficiary impacted by investment performance?
In Overland Park, KS, the beneficiary of an investment will be positively affected by its performance. When the investment yields favorable returns, the beneficiary will be able to reap the rewards of the returns and potentially be financially empowered. This kind of benefit is especially important to those living in a fast-growing city such as Overland Park, as economic growth and development offer many resources to further their current economic situations.
With a variable life insurance policy Overland Park, can I decide where my premiums are invested?
Yes! With variable life insurance in Overland Park, KS, you can choose where your premiums are invested. This type of insurance offers control over your investments so you can make decisions that are tailored to fit your lifestyle and financial goals. You'll have a selection of options from which to choose, such as stocks, bonds, mutual funds, annuities, and more. In addition, some policies also offer expert financial services so you can be sure your investments are wisely chosen and well taken care of at all times.
How transparent is the investment performance of variable life insurance near Overland Park?
In Overland Park, Kansas variable life insurance allows investors to review performance transparency in detail. Most life insurance companies make readily available advanced life insurance analytics allowing investors in the area access to distributions, gleaned performance trends, and specific charges with no difficulty. With the wide range of available data, investors are able to track the performance of their investments and view reports and statements in real-time, ensuring great transparency and allowing them to get the most out of their investments.
What are the surrender fees for a variable life insurance quote Overland Park?
Surrender charges for variable life insurance vary by policy and company. In Overland Park, KS, the surrender charge is usually only applied to policies that are cancelled within the first ten to twelve years of the term. After the surrender charge period has ended, any funds that are withdrawn from the policy will not incur surrender charges. Depending on the policy, the surrender charges can range from no charge to many different percentages, so it's important to read the policy carefully before signing and making any decisions.
Residents of Overland Park, KS may find that variable life insurance can provide considerable advantages, such as the potential for greater accumulation of cash value, a wide array of investment options, and the ability to add riders which allow for customizing the coverage. Variable life insurance also offers the potential for tax-deferral of earnings, allowing capital to grow faster and on a tax-deferred basis, giving freedom and flexibility on when to pay taxes on the policyβs growth.
Can I direct specific investment strategies for variable life insurance policies near Overland Park?
Generally, policyholders are not able to dictate specific investment strategies in Overland Park, KS. Insurance policies generally provide access to professionally-managed portfolios that align with the policyholder's investment goals and risk tolerance, while the investment strategy is determined by the insurer. With that said, it is still important for policyholders to understand their insurance product and the allocations within the policy, so they are able to make the best selection for their financial strategy.
Can I change investment options for variable life insurance in Overland Park without tax effects?
Yes, you can switch between investment options without tax implications in Overland Park, KS. You may do so without incurring additional taxes as long as the transfer is a non-taxable event, such as a rollover contribution from another qualified retirement plan. However, taxes or penalties may apply if the transfer is viewed as a distribution from an account. Speak to your knowledgeable financial advisor in Overland Park to ensure that you have the most up-to-date information on potential risks or tax liabilities when making investment decisions.
Is the cash value in my Overland Park variable life insurance policy safe from creditors?
In Overland Park, KS, the cash value of variable life insurance is generally protected from creditors if the insured is named in the policy as the owner and beneficiary. This is due to a specific exemption in the Kansas statute that pertains to cash surrender values and loan values of variable life insurance policies. While this is protected from creditors in KS, please note that there are also federal laws that could affect creditor protection. Additionally, some states provide further protections to surplus or living benefit values that may impact the protection of a policy's cash value.
Do I get dividends from my Overland Park variable life insurance company?
Many types of investments within variable life insurance policies pay dividends, however, any tax implications of these dividends will vary according to individual circumstances. This answer will depend on your location, so if you live in Overland Park, KS, it is advisable to seek advice from an investment professional familiar with the local tax rates and regulations. They will be able to assess your unique situation and offer you tailored advice to maximize your returns and minimize your taxes.
Compare Overland Park, KS 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