Compare over 37 Variable Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Pearland, TX 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 Pearland, TX. 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 Pearland, TX.
Frequent Questions...
Variable life insurance is a permanent form of life insurance that offers flexibility in policy structure and premiums. It combines the flexibility of an investment program with the security of life insurance. This type of policy can be particularly beneficial to residents of Pearland, TX because they generally have volatile incomes due to the frequent inclement weather the area experiences, making them the perfect candidate for a flexible life insurance policy. Variable life insurance offers policyholders the opportunity to vary the amounts of their premiums, allowing them to protect their family financially when unforeseen circumstances arise.
Do variable life insurance quotes in Pearland come with a cash surrender value?
Variable life insurance in Pearland, TX typically has a cash surrender value the policyholder may withdraw the cash or borrow against the policy's cash value on a loan basis. Cash value is a feature of many variable life policies and it comes from either the current market value of the policy's investments or the surplus premium the policyholder pays to the insurer. The specific cash values will depend on the policy's investments, the insurance rates, the age of the insured, and how much the policyholder is paying into the policy.
What are the tax aspects of a variable life insurance policy Pearland?
The tax implications of variable life insurance vary from jurisdiction to jurisdiction. In the city of Pearland, Texas, variable life insurance is taxed as an income-producing asset. This means that any gains realized from the policy are subject to taxation. Additionally, any premiums paid in excess of the policy's current death benefit coverage amount are also considered taxable income. It is important to speak with a licensed tax advisory professional in Pearland to ensure that you understand the exact tax implications of the policy to ensure you stay in compliance.
Do I need to understand investments for variable life insurance near Pearland?
Purchasing variable life insurance in Pearland, TX does not necessarily require you to be investment-savvy, however, such knowledge will provide you with an additional level of confidence when making decisions about your policy. Luckily, there are many experienced financial advisors located in the Pearland area who can provide knowledgeable insight and advice regarding variable life insurance policies. You can take advantage of the personalized guidance these specialists offer and rest assured knowing that you've made a well-informed decision about purchasing a variable life insurance policy.
What happens if my variable life insurance quote Pearland underperforms?
Investing involves risks that no one can accurately predict, and unfortunately, no one can guarantee that your investments will perform well. If your investments in Pearland,TX do perform poorly, it is important to remember that the market is always changing and can present new opportunities if you're willing to be patient. Talking to a financial advisor in Pearland, TX can help you assess your current investment and recommendations for a new or different investment that may be more successful in the long run. Additionally, investing in a diverse selection of investments can help reduce the risk of all of your investments performing poorly.
The death benefit associated with investments in Pearland, TX can vary depending on their performance. Generally speaking, when an investment performs well, the death benefit can increase. Conversely, if an investment underperforms, the death benefit may decrease. It is important to note that any death benefits of investments in Pearland, TX, would typically only take effect after the individual passes away. Therefore, it is a good idea to consult a financial advisor to ensure that you have the best investment strategy that will maximize the death benefit in the event of one's passing.
Can I upgrade variable life insurance policies near Pearland to another policy type?
Yes, you can upgrade your variable life insurance to another type of policy in Pearland, TX. Depending on your individual situation, you may want to consider a whole life insurance policy, which can provide lifelong coverage no matter how long you live. If you're looking to maximize long-term savings, a cash value policy which includes both insurance and investments may also be an option. For those under 65, a term life insurance policy can provide coverage for a specific period of time.
How can I monitor performance of my variable life insurance in Pearland?
As a resident of Pearland, TX, you can track the investment performance of your variable life insurance by first consulting a financial advisor who is familiar with the Pearland area. Your advisor can review your current policy to determine if your goal is to maintain an appropriate level of protection by taking into account the source and level of your cash flow as well as any changes in tax policies. They can also provide guidance on how to maximize the returns of your policy by utilizing sound investment strategies and staying abreast of any shifts in the market.
How liquid is the cash value of my Pearland variable life insurance policy?
The cash value of a variable life insurance policy is determined by the insurance company and the premiums paid on the policy in Pearland, TX. The cash value is usually allocated in stocks, bonds, mutual funds, and other investments; however, the exact amount of liquidity will be dependent on what type of investments one holds. Generally speaking, the more liquid investments, such as stocks, will carry more cash value than illiquid investments, such as bonds or real estate. Additionally, the insurance company may impose certain withdrawal restrictions which would limit the liquidity of the policy.
Does my Pearland variable life insurance company offer a grace period for premium payments?
In Pearland, Texas, there is typically a grace period for premium payments in variable life insurance policies. This means that if a premium is not received on time, the policyholder is granted an extra period of up to 31 days where they may make the payment without the policy cancelling or lapsing. If the premium payment is not received by the end of the grace period, however, the policy will usually be considered lapsed.
Compare Pearland, TX 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