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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 Parkway, 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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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
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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 Parkway, CA.
Frequent Questions...
A variable life insurance policy in Parkway, CA may provide a variety of benefits and will generally include the following primary components: death benefit, an investment component, and a cash value. The death benefit is a fixed amount that will be paid upon your death to provide security for your loved ones. The investment component allows you to select from a range of investments open to a variety of markets, including stocks, bonds, mutual funds, and exchanges, in order to achieve higher returns.
Do variable life insurance quotes in Parkway come with a cash surrender value?
Yes, variable life insurance in Parkway, CA does have a cash surrender value. The amount you can withdraw from a variable life insurance policy depends on the cash value accumulated in the policy and the amount of time the policy has been in effect. Additionally, any withdrawals or distributions prior to the age of 59 ½ are typically subject to both federal and state taxes, as well as an additional 10% penalty. Knowing this, it is important to consult an insurance expert to understand the various options available and to choose a variable life insurance policy that best fits your needs.
What are the tax aspects of a variable life insurance policy Parkway?
In Parkway, CA, the tax implications of variable life insurance depend on how you use the policy. Generally, death benefits are not taxable and any cash value growth from the policy is taxed as ordinary income. However, if you withdraw money from variable life insurance, any amount above the original premiums paid is generally subject to taxation. Consult with a qualified tax professional in Parkway, CA to confirm the specifics of your policy.
How transparent is the investment performance of variable life insurance near Parkway?
Residents of Parkway, CA can be confident that the investment performance in variable life insurance is highly transparent. At Parkway Insurance Solutions, we offer our clients detailed packet of information to ensure they fully understand the terms and benefits associated with variable life insurance investments. Furthermore, our clients have access to ongoing customer support services and can check their investment performance dashboard to stay apprised of any changes and updates. In addition, we provide regular newsletter updates and quarterly performance reports so our clients can make sound decisions regarding their investments in variable life insurance.
Can I include riders in my variable life insurance quote Parkway?
Yes, you can add riders to your variable life insurance policy in Parkway, CA. Depending on the insurer and the policy, riders can be added for an added cost that would provide varying amounts of coverage like an accidental death benefit, waiver of premium, or accelerated death benefits. Every additional rider carries its own advantages and disadvantages that should be reviewed before deciding if it is the right choice for your policy. Financial advisors in Parkway, CA can help you review your specific policy and decide whether adding a rider is the best option for you.
At Parkway, CA, the death benefit of an investment can vary depending on its performance over the course of its life. If the investment experiences a loss, the death benefit amount will generally decrease. Conversely, if the investment gains value, the death benefit will generally increase. The death benefit amount of an investment can also be affected by the type of return it earns, as some forms of return may be more favorable than others, when it comes to benefitting the holder in the case of death.
How flexible are premium payments for variable life insurance policies near Parkway?
At Parkway Insurance, we understand life can often be unpredictable. That's why our variable life insurance policy offers many flexible premium payment options to help meet your needs. You can choose to make payments annually, semi-annually, quarterly, or even monthly, depending on your budget and your insurance needs. You are also able to adjust your coverage as your need for it changes, so you know you are always well cared for. With our variable life insurance here in Parkway, CA, you can make sure you and your family are getting the protection you need.
How can I monitor performance of my variable life insurance in Parkway?
To track the investment performance of your variable life insurance in Parkway, CA, you should contact a trusted financial advisor. They can provide personalized recommendations and guidance based on your individual financial needs. Your financial advisor can help you create a customized portfolio that is tailored for your specific goals as well as creating a tracking system to monitor changes in your investments. They can also help ensure that you remain on track towards achieving those goals. Additionally, a financial advisor can provide valuable insight and resources to ensure you are making wise investment decisions.
Can I use my Parkway variable life insurance policy for retirement savings?
Absolutely! Variable life insurance is an excellent retirement savings vehicle for those living in and around Parkway, CA. This type of insurance allows for growth in the form of dividends, capital gains, and other potential accruals. It also provides for tax-deferred growth and premium payments that are locked in regardless of market volatility. Plus, you will enjoy tax-free distributions upon retirement. Variable life insurance makes a great addition to your retirement savings plan and provides you with a way to supplement the income you have already saved.
How do loans affect death benefits with my Parkway variable life insurance company?
Policy loans from variable life insurance can impact the death benefit on a policy in Parkway, CA. Generally, a policy loan will reduce the death benefit dollar-for-dollar because loans taken from a policy are not repaid to the policy upon death. Amounts that are borrowed from a policy erode the death benefit, leaving less coverage to be available to protect a family. Policy loans also incur interest, which will further reduce the amount of the death benefit. It is important to understand that policy loans taken throughout the life of a policy cannot be repaid after a policyholder's death.
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