Compare over 37 Variable Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Oxford, OH 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 Oxford, OH. 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 Oxford, OH.
Frequent Questions...
Individuals living in and around Oxford, OH who wish to have more control over their life insurance premiums, as well as those who are interested in building up and accessing cash value savings, may find that a variable life insurance plan is a great fit for their needs. Variable life insurance provides policyholders with flexible premiums, death benefit amounts, and tax advantages that can make it an attractive form of insurance protection. Financial advisors in the area can provide more advice on these types of plans and help determine which ones are best suited to the individual's financial situation.
With variable life insurance quotes in Oxford, how is the beneficiary impacted by investment performance?
For beneficiary's in Oxford, OH, the performance of their investment portfolio can have a significant impact. A well managed investment portfolio will provide stability and peace of mind while also generating excellent returns. A proper risk/return analysis should be conducted to assess the potential returns and ensure the investments are suitable for your specific needs. Good performance can lead to greater growth potential, while poor performance may result in unrealized losses that can affect a beneficiary's ability to achieve their goals. Therefore, beneficiaries in Oxford should thoroughly evaluate their investments and take comfort in understanding their performance.
How does the cash value work for a variable life insurance policy Oxford?
Variable life insurance is life insurance with a cash value component that accumulates tax deferred over time, based on the performance of the insurance company's separate account. In Oxford, OH, the cash value component of variable life insurance can be used for a variety of purposes. Firstly, it can help pay the premiums for the policy, saving the insured money while also ensuring the policy never lapses. Additionally, depending on the policyholder's financial situation, the cash value may be available for withdrawal or a loan.
What fees are there with variable life insurance near Oxford?
In Oxford, Ohio, the fees associated with variable life insurance will vary depending on the plan you choose. Generally speaking, common fees associated with variable life insurance may include an annual service fee paid to the insurance carrier that covers costs associated with administering the policy. There may also be fee schedules for policy loans, withdrawals, transfers, or policy changes. Additionally, certain funds within the policy may have their own administrative fees as mandated by the issuer. Finally, when premiums are paid, the issuing party may charge an extra commission for the sale of the life insurance policy.
What are the surrender fees for a variable life insurance quote Oxford?
The charge for surrendering variable life insurance policies will vary depending on the insurer in Oxford, OH. Typically, the earlier a policyholder initiates a surrender, the higher the surrender charge. Depending on the insurer, a surrender may incur a penalty of up to 16 percent of the contract/cash value up until seven years have passed. After that, the surrender charge declines until it reaches zero at the end of the policy term. If there are any penalties for early surrender, this information should be provided in the policy documents.
In Oxford, OH, there are a variety of fund transfer policies depending on the institution. Oxford bank policies may include daily and weekly transfer limits, transfer fees, and/or destination account requirements to name a few. Some banks may also require you to contact a customer service representative to initiate transfers greater than a certain amount. Generally speaking, understanding the details and limitations of the policy is important to ensure the desired transfer is completed with limited issues. Itβs best to contact the financial institution for the specifics of their transfer policy.
Can I direct specific investment strategies for variable life insurance policies near Oxford?
Cash value policies differ in what options are available to the policyholder, however, in Oxofrd, OH specific investment strategies cannot be dictated by the policyholder; the funds must be managed by an experienced policyholder. Oxford's policyholders are invited to discuss their individual wants and needs however, the exact strategy employed to meet those goals is ultimately decided by the policy funds managers. With the many economic strategies available, policy managers are responsible for crafting a strategy that meets the policyholder's objectives while mitigating risk and striving to deliver gains over time.
Can I change investment options for variable life insurance in Oxford without tax effects?
In Oxford, OH, you can generally switch between investment options without any tax implications as long as you don't exceed the pre-determined annual contribution limits. An important thing to consider when making any inter-option transfers is to monitor any changes in the beneficiary of the funds. If the beneficiary is changing, you may incur income tax liabilities so it's advisable to reach out to a qualified, local tax advisor to ensure youβre following the relevant laws.
How does my Oxford variable life insurance policy handle loan interest?
The policy loan interest treatment for variable life insurance in Oxford, OH may differ from other communities, so it's important for policyholders to familiarize themselves with the specific details of their policy. Generally, the interest that accumulates on a policy loan is a cost to the policyowner and can reduce the policy's cash value and death benefit. The policy owner is responsible to repaying the principal, loan interest, and any contrasts associated with the policy loan.
Can I convert from term life insurance with a Oxford variable life insurance company?
In Oxford, OH, you may be able to convert your term life insurance to variable life insurance, depending upon your insurance provider. It is advised that you contact your provider and discuss with them the possibility of making such a conversion. In some cases, the conversion may be impossible. However, speaking with your provider is the only way to know with certainty whether conversion is an option. It is important to consider the benefits and drawbacks of both term and variable life insurance when making this decision. Depending on your age and current policy coverage, the cost of conversion may outweigh the potential benefits.
Compare Oxford, OH 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