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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 Peoria, AZ. 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
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 Peoria, AZ.
Frequent Questions...
A variable life insurance policy is an excellent way to ensure financial security for your family in the event of a tragedy. In Peoria, AZ the primary components of a variable life insurance policy include the death benefit, cash value accumulation, and policy dividends. The death benefit is the amount of money the beneficiary will receive upon the death of the insured. The cash value accumulation is the portion of the policy that accumulates a cash value based upon the performance of the investments. Finally, policyholders can expect to receive policy dividends, money paid to them, which is based on the policy's performance.
Are there early withdrawal penalties for variable life insurance quotes in Peoria?
The penalties for early cash value withdrawal in Peoria, AZ vary depending on the policy, so the best thing to do is to check with your local insurance provider for more details. Generally speaking, however, early withdrawal may reduce the cash value and death benefits of the policy and may also lead to interest charges or other types of fees, depending on the circumstances. These charges and fees may add up to considerable amounts, so it is important to speak to a qualified expert about utilizing these types of complex financial products.
How does the cash value work for a variable life insurance policy Peoria?
Residents of Peoria, AZ should understand how the cash value component works in variable life insurance before investing in such a policy. The cash value of a variable life insurance policy is able to fluctuate based on the performance of the underlying investment options adopted. As the investments increase in value, they are credited to the policy holder's cash value account. This means that it's possible to take a loan against the policy or grant early-term withdrawals and still receive the death benefit after the policyholder passes away.
What fees are there with variable life insurance near Peoria?
In Peoria, Arizona, the fees associated with variable life insurance can vary depending on the provider. Generally, you can expect to pay an administrative fee for the policy setup, which covers the cost of processing the policy documents and services such as annual statement mailings. Additionally, you may be responsible for additional costs such as the cost of an independent broker or advisor, as well as additional fees and charges for investment options available under the policy.
What happens if my variable life insurance quote Peoria underperforms?
If your investments perform poorly in Peoria, AZ, it is important to assess the situation and explore other options for managing your portfolio. Whether that means contacting an experienced financial advisor or taking a more hands-on approach to research, the important thing is to take action to find a more suitable investment strategy. Diversifying your portfolio can be a great way to reduce risk and protect your investments against unforeseen events and market downtrends. Additionally, it might be beneficial to consider local investing opportunities that cater to the economic needs of Peoria, AZ.
Variable life insurance in Peoria, AZ, does not contain any age restrictions. You can find a provider who offers this policy regardless of your age, as long as you meet their qualifications. Typically, life insurance companies will ask for proof of good health in order to offer you a competitive rate. In some cases, the provider may set a maximum age limit, unconditionally ensuring coverage to applicants under a certain age. Be sure to check with the insurer for more details on their eligibility requirements.
Do variable life insurance policies near Peoria provide guarantees on returns?
Variable life insurance in Peoria, AZ offers only a promise of death benefit protection, but there are no guarantees when it comes to investment returns. Instead, variable life insurance provides the chance for policyholders to grow their investments through various mutual funds, equities, money market and other investments. However, the investor should be aware of particular features and risks with variable life insurance, including the risk that the value of the investments may fluctuate up or down, and that the investor may lose some or all of the money invested in the policy.
How regularly should I check my variable life insurance in Peoria?
Given the costs, complexities, and changing needs of variable life insurance policies, we recommend that policyholders in Peoria, AZ review their policy annually. Not only can a comprehensive annual review help ensure that something hasn't been overlooked or changed, but it can also provide an opportunity to re-evaluate your policy to determine how you are being best served by this investment and whether changes need to be made. In addition, it can also be beneficial to review your policy when there is a major life event, such as a birth, job change, or increase in income.
How does my Peoria variable life insurance policy handle loan interest?
Policy loan interest on variable life insurance in Peoria, AZ is treated similar to traditional life insurance policies, except that theowner of the variable life insurance policy has the option to put non-guaranteed dividends towards the interest due. This means that the amount of interest due could change from one year to the next, making variable life insurance a more attractive option for those who have renewable premiums each year and need to be especially mindful of their out-of-pocket expenses. Depending on the insurer and the policy, the policy loan interest may be partially or fully waived for an insurance policy.
Can I convert from term life insurance with a Peoria variable life insurance company?
In Peoria, AZ you may be able to convert your term life insurance to variable life insurance depending on the terms of your policy. Before seeking such a conversion, it is important to consider both the benefits and risks of each type of life insurance. Term life insurance provides coverage for a stated period of time and is typically less expensive than other forms of insurance. With variable life insurance, the value of the policy changes according to the performance of the underlying investments. As such, there is a greater potential for gain or loss with variable life insurance.
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