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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 Palos Verdes Estates, CA. 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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Mark Sidway
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Cale Reeves
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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 Palos Verdes Estates, CA.
Frequent Questions...
A variable life insurance policy issued in Palos Verdes Estates, CA, typically consists of an investment account and a death benefit component. The investment component could involve a variety of underlying assets that are available and typically customized to the policyholder's risk preferences. In addition, the death benefit component helps to ensure the recipient's financial security even after the policyholder has passed away. The amount of the death benefit depends on the policy terms, but the premiums will remain fixed throughout the duration of the policy.
Are there early withdrawal penalties for variable life insurance quotes in Palos Verdes Estates?
In Palos Verdes Estates, CA, there could be potential penalties associated with early withdrawal from the cash value. It depends on the policies and terms associated with the cash value contract. Generally, withdrawals made prior to the age of 59 and a half may incur a federal tax penalty of 10%. Furthermore, most contracts charge a surrender fee to the owner for moving money out of the cash value policy prior to full maturity.
What potential risks are there with a variable life insurance policy Palos Verdes Estates?
Living in the warmer climate of Palos Verdes Estates, CA, variable life insurance policy holders might be at risk of lapsing due to the higher cost of premiums associated with these policies. Additionally, policyholders must exercise caution when selecting investments due to the high-risk nature of the investment options available with variable life insurance. There is also the risk that a policyholder could lose money, as the investment performance of the policy will fluctuate according to market performance.
How often can I modify my investments in variable life insurance near Palos Verdes Estates?
When investing in variable life insurance in Palos Verdes Estates, CA, it is important to take into account the frequency of changes made to your investment choices. Generally speaking, policyholders have the ability to make changes to their investments once per calendar year, when the fiscal year begins. However, your policy may contain special language that allows you to make more frequent changes, and it is important to review your policy carefully to understand your particular rights and obligations. It is also important to note that there are consequences associated with making too many changes, including increased potential for risk and desired return profile.
What are the surrender fees for a variable life insurance quote Palos Verdes Estates?
The surrender charges associated with variable life insurance vary by provider and depend on the location, age, health, policy type, and other factors. In Palos Verdes Estates, California, there is a range of surrender charges that can be expected, with fees varying from provider to provider. It is important to discuss costs and surrender charges with your life insurance seller, and to research all available options to determine which provider is providing the most competitive rates in the area.
Palos Verdes Estates, CA laws stipulate that the minimum age requirement to purchase a variable life insurance policy is 18. That being said, the rules and regulations regarding the specific type of policy in question could differ based on the insurer. Thus, it is best to contact your life insurance provider and inquire about any age restrictions before making the decision to purchase.
Can I upgrade variable life insurance policies near Palos Verdes Estates to another policy type?
Yes, you can upgrade your variable life insurance to another type of policy in Palos Verdes Estates, CA. Depending on your needs, you could look into whole life or universal life insurance policies. Your insurance advisor can explain the differences between coverage and adjust your policy according to your needs. Local financial advisors in the Palos Verdes Estates area can provide helpful advice when it comes to what type of life insurance policy will best suit your needs. They can also explain how to upgrade an existing variable life insurance policy for you.
Are management fees for variable life insurance in Palos Verdes Estates similar to mutual funds?
The management fees for variable life insurance in Palos Verdes Estates, CA, are generally comparable to regular mutual fund fees. However, the main difference is that with variable life insurance, you have the benefit of a death benefit, meaning your beneficiaries will receive the death benefit regardless of the performance of your investments. That could be especially beneficial in Palos Verdes Estates, where estate planning is a priority for many residents.
Is my Palos Verdes Estates variable life insurance policy considered permanent life insurance?
Variable life insurance is indeed a type of permanent life insurance, although it offers more flexibility in terms of the investment options available to policyholders. This type of insurance could be especially beneficial for residents of Palos Verdes Estates, California, who might be looking for an opportunity to invest in the stock market while also enjoying the peace of mind that comes with the fixed premiums of a life insurance policy.
Does my Palos Verdes Estates variable life insurance company offer a grace period for premium payments?
In Palos Verdes Estates, CA, premium payments in variable life insurance are expected to be submitted on the given due date. While there is not a specific grace period, policyholders can contact the insurance provider to discuss options if they are having issues making the premium payment in a timely manner. Depending on the circumstances, the insurance company may be willing to work with the policyholder and provide them with some form of payment flexibility.
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