Compare over 37 Variable Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Pasadena, CA 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 Pasadena, 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.
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 Pasadena, CA.
Frequent Questions...
Variable Life Insurance is a type of life insurance that allows you to invest in specific investments while having insurance coverage in case of death. Depending on the company, these investments could be stocks, bonds, mutual funds, or other options. This type of insurance is especially helpful for those in the Pasadena, CA area as investments may include local banks and other business that specifically pertain to the region. Furthermore, those insured with variable life insurance may be able to keep up with the current economic changes associated with the region, earning money and maintaining their investment in the area.
Can I cancel my policy after getting variable life insurance quotes in Pasadena?
Yes, you can cancel your variable life insurance policy in Pasadena, CA, provided you meet all the requirements and stipulations outlined in your policy. Depending on the type of policy you purchased, you may need to give the insurer a notice of intention to cancel within a specific time frame. As a policyholder in Pasadena, you may also have the right to make substitutions on your policy, such as changing the beneficiaries or the payment due date. Prior to canceling, you should review the terms of your policy to understand how it may affect your coverage.
What are the tax aspects of a variable life insurance policy Pasadena?
The tax implications of variable life insurance depend on your residence. Those residing in Pasadena, CA must adhere to California state income tax requirements. Depending on the particular type of policy, any taxes owed may be paid as a lump sum or in installments over time. Variable life insurance policies are often subject to taxation of any gains in the policy, with these gains being considered taxable income during the year of withdrawal. If the policy holder has made any policy loans, or had to take distributions from their policy to meet policy payment obligations, those may be subject to tax.
How transparent is the investment performance of variable life insurance near Pasadena?
In Pasadena, California, variable life insurance investments are very transparent. Customers are given clear information, including performance records, fees, potential risks, and gains associated with the investments, so that they can make informed decisions before investing. With a variety of options to choose from, customers can find an investment that best suits their needs and financial goals. The company providing the insurance makes sure that customers understand every aspect of the product before making an investment decision. Furthermore, customers have the option to consult with a financial advisor to ensure that they are investing in the right product with the right return potential.
What happens if my variable life insurance quote Pasadena underperforms?
It's important to remember that investing involves risk; there are no guarantees that an investment will perform well. If your chosen investments don't perform to your expectations in Pasadena, CA, you have a few options: you could convert your investments to other options that have higher potential returns, you could reduce your investments and focus on limiting potential losses, or you could decide to invest in other areas that may be more promising. It's important to understand the risk associated with investments, and to keep a watchful eye on how your investments are performing.
In Pasadena, California, the death benefit payout with an investment may vary depending on how returns and performance have fared. Generally, investments with higher levels of return can result in larger death benefits. Conversely, any losses with your investment can reduce your death benefit payout. It is important to assess your level of risk tolerance and desired outcome when making an investment decision so you can better anticipate the amount of the death benefit.
Do variable life insurance policies near Pasadena provide guarantees on returns?
Variable Life Insurance policies provide a death benefit that guarantees to your beneficiaries, but the cash value within the policy does not guarantee any fixed rate of return when it comes to investing. In Pasadena, California this type of policy may be more attractive as an estate planning tool than an investment tool. The cash value within the policy can change based on the performance of the underlying investments such as stocks, bonds, and mutual funds. In addition, consistent premium payments have the potential to accumulate on a tax-deferred basis for growth opportunities and insurance coverage.
Are management fees for variable life insurance in Pasadena similar to mutual funds?
Yes, the management fees for variable life insurance plans typicaly do not differ significantly from traditional mutual funds in the Pasadena, CA area; however, it is important to note that there are other unique advantages associated with variable life insurance that can make it an attractive option for some investors. For example, many variable life insurance plans offer a death benefit, living benefits, and tax-deferred growth, which are not features associated with mutual funds. Furthermore, variable life insurance is generally not subject to the same volatility as a traditional mutual fund.
Is the cash value in my Pasadena variable life insurance policy safe from creditors?
In Pasadena, California, the cash value in variable life insurance is generally protected from creditors. This is typically the case in California, because state bankruptcy exemptions that are available to debtors are generally sufficient to protect the policy, provided that the policy is owned and the beneficiary is properly designated. Of course, the court overseeing the bankruptcy case makes the final determination regarding creditor protection, so it's always a good idea to talk to a qualified attorney for the best advice.
Do I get dividends from my Pasadena variable life insurance company?
Dividends are a form of return on an investment, but variable life insurance does not typically offer dividends. Pasadena, CA residents can, however, consider other investment options like stocks, mutual funds, exchange-traded funds, real estate investments and more that do generate dividends. Nonetheless, it's important to compare the risk versus reward of each option and find the investment choice that best fits an individual's overall financial plan. The dividend income can be considered part of a total return portfolio approach.
Compare Pasadena, CA 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