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Compare over 37 Variable Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Phoenix, AZ 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
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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
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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 Phoenix, 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.
Save time and get the best Variable Life Insurance policy with the cheapest rates. Guaranteed.
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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
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 Phoenix, AZ.
Frequent Questions...
In Phoenix, variable life insurance premiums are not fixed. The premiums for this type of coverage are based on the performance of the investment options you select. They may increase or decrease depending on the performance of the choice you make. It's important to understand that this type of policy is linked to the movement of the markets, and as a policyholder, you will bear some of the investment risk. Therefore, when evaluating your decision, it is important that you weigh your risks and potential reward carefully.
Do variable life insurance quotes in Phoenix come with a cash surrender value?
Yes, variable life insurance has a cash surrender value if the policy owner decides to cancel the policy in Phoenix, AZ. The amount of the cash surrender value will depend on the particular terms and conditions of the policy, as well as the current performance of the underlying investments. Some policies may not even have a cash surrender value. Generally speaking, the policyowner will have the option to either receive the cash surrender value or take advantage of any other provisions in the policy such as loan value or dividend features.
Can I withdraw or borrow from a variable life insurance policy Phoenix?
In Phoenix, AZ you may be eligible to withdraw or borrow from the cash value of your variable life insurance policy depending on the terms outlined in your policy. You should review your policy documents to find out the specifics of your particular policy and the types of withdrawals or borrowing allowed. If available, you can apply for a loan against the cash value or even withdraw cash depending on the type of assets backing the policy, as long as it does not exceed the cash surrender value of your policy. You should also take into consideration any taxes the resulting withdrawal or loan may have for your particular life insurance policy.
Do I need to understand investments for variable life insurance near Phoenix?
In Phoenix, AZ it is not necessary to be investment-savvy when purchasing variable life insurance. However, the types of investments you choose and the level of risk you are comfortable with should be considered. Knowing your own personal financial objectives and long-term goals are important when selecting investments and choosing the most suitable insurance option for you. It is recommended to discuss the risks and returns associated with variable life insurance policies with a qualified financial professional before making any purchase decisions.
Can I include riders in my variable life insurance quote Phoenix?
Yes, you can add riders to your variable life insurance policy if you live in Phoenix, AZ. Many riders are available, including long-term care insurance, waiver of premium coverage, and accelerated death benefits. Make sure you are fully aware of the features, limitations, and benefits of all riders before adding one to your policy in order to get the most out of your coverage. Speak to your insurance agent to find out how adding a rider will affect your premium before deciding which rider is best for you.
In Phoenix, AZ, variable life insurance policies generally must be purchased by those 18 years of age and older. However, those between the ages of 15 and 18 may be eligible to buy these types of policies with the written consent of a parent or guardian. Customers should consult their financial and insurance professionals to determine all of the possible age restrictions and parameters for purchasing a variable life insurance policy.
Do variable life insurance policies near Phoenix provide guarantees on returns?
In Phoenix, AZ, variable life insurance does not offer any guarantees on investment returns rather investment returns are based on the performance of the underlying investments chosen, which can vary. As such, variable life insurance customers should be aware that their performance may increase or decrease depending on the performance of the underlying investments. Additionally, investors should be mindful of taking on extra risks with variable life insurance investors, as the value of the policy can go up or down and there is no guarantee of any return.
Does all variable life insurance in Phoenix offer the same investments?
No, not all variable life insurance policies offer the same investment options in Phoenix, AZ. Your options can vary significantly from policy to policy depending on the product and insurer. It is important to research and compare the available policies in Phoenix, AZ to determine which policy best meets your goals and objectives. There are a variety of products and investment choices available from multiple insurance companies in Phoenix, AZ, each of which can offer different features based on your needs. It’s a good idea to work with a knowledgeable financial advisor to understand which policy and investment options would work best for you.
Is the cash value in my Phoenix variable life insurance policy safe from creditors?
Yes, the cash value in variable life insurance policies is protected from creditors in Phoenix, Arizona. According to Arizona's Asset Protection Protective Trusts Act, irrevocable trusts are allowed as a means to protect valuable assets such as cash values from creditors and other judgment holders within the state of Arizona. Furthermore, a qualified Arizona attorney can further protect variable life insurance policies from creditors by creating an Asset Protection Trust in the state of Arizona which can offer additional levels of security.
What's the typical duration of terms with a Phoenix variable life insurance company?
In Phoenix, AZ, the typical duration of a variable life insurance policy will vary from policy to policy and depends solely on the needs of the policyholder. Generally speaking, the policy can last anywhere from 1 to 30 years, though some policies may even cover a lifetime of the policyholder. On average, many Phoenix residents choose term lengths of 10, 15, 20, or sometimes 25 years. Ultimately, the policyholder will select the policy that best fits their needs and preferences.
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