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With PolicyHub you get to compare over 37 Pittsburgh, PA Variable Life Insurance policy providers in as little as 15 minutes. Save time. Save big. Get started now.
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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 Pittsburgh, PA. 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
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 Pittsburgh, PA.
Frequent Questions...
Variable life insurance is a type of policy offered in Pittsburgh, PA, that combines the benefits of both life insurance and investment options. The policyholder has the choice to decide where the premiums are allocated among the available investment season, such as stocks, bonds, and annuities. With a variable life insurance policy, the policyholder can take advantage of market fluctuations, such as gaining potential higher returns if the market is in their favor. Additionally, the policyholder has the added bonus of the life insurance coverage the policy provides, including the death benefit.
With variable life insurance quotes in Pittsburgh, how is the beneficiary impacted by investment performance?
In Pittsburgh, beneficiaries of investments can be affected positively or negatively depending on the performance of the investment. When investments do well with potential or realized profits, the beneficiary can experience a financial windfall. On the other hand, investments can also incur losses or fail to pay out on expected returns, meaning that the beneficiaries may not get the level of financial benefit they expected or even possibly lose their initial contributions. How the beneficiary of an investment is affected ultimately depends on the performance of the investment portfolio.
How does the cash value work for a variable life insurance policy Pittsburgh?
In Pittsburgh, PA and beyond, variable life insurance is a way to guarantee a death benefit while allowing the policyholder to invest in the cash value to increase the potential reward and build wealth over time. The policyholder is able to invest the cash value in sub-accounts or mutual funds. Money put into the cash value is taxed when the policyholder withdraws or borrows from it and will also reduce the death benefit. This policy is typically used to fund longer-term objectives such as retirement or college education since it has more potential for reward than traditional whole life insurance.
Is there a death benefit guarantee with variable life insurance near Pittsburgh?
Yes, there is a guaranteed death benefit for variable life insurance policies in Pittsburgh, PA. This type of policy offers a variety of benefits for policy holders, including a death benefit that is guaranteed to be paid to beneficiaries, regardless of the performance of the investments backing the policy. Variable life insurance provides financial protection and comfort to families who may be located in Pittsburgh, PA, and the guaranteed death benefit is an added assurance of peace of mind.
What happens if my variable life insurance quote Pittsburgh underperforms?
If your chosen investments in Pittsburgh, PA perform poorly, you may experience a financial loss. The best course of action is to work with a financial planner or an investment manager if available. They can help you create a portfolio which considers all of the risks and rewards of different financial choices for your particular situation. Additionally, if you are feeling unsure of your investments, then it may be a good time to conference with a Certified Financial Planner to get advice on how to best move forward.
Generally speaking, most companies require customers to be at least 18 years old to purchase variable life insurance in Pittsburgh, Pennsylvania. However, depending on the type and cost of the coverage, you may find that certain companies will require customers to be at least 21 years old or even older to qualify. It's also a good idea to double check with your specific provider before signing up for a plan to ensure you meet all the necessary age requirements.
Do variable life insurance policies near Pittsburgh provide guarantees on returns?
Variable life insurance in Pittsburgh, PA is an investment product that does not come with guarantees on investment returns. However, there are a number of options that can help you reach your financial goals. Depending on your risk tolerance and financial goals, variable life insurance can be used to reposition your assets in order to maximize returns. Additionally, the policy's death benefit can provide a measure of assurance that your family will be taken care of in the event of your untimely death, potentially offering financial relief during tough times.
Does all variable life insurance in Pittsburgh offer the same investments?
No, all variable life insurance policies do not offer the same investment options. Pittsburgh, Pennsylvania residents have access to many insurance companies, each with their own set of investment options and benefits. Some policies may focus on domestically-held stocks, indexes, and mutual funds, while others may specialize in foreign stocks, commodities, and bonds. Some policies even offer more exotic investments like hedge funds. Pittsburgh residents should shop around for policies that best align with their individual needs and goals.
Is the cash value in my Pittsburgh variable life insurance policy safe from creditors?
Yes, the cash value in variable life insurance policies is typically protected from creditors in Pittsburgh, Pennsylvania. According to the state’s insurance policy statute, money in variable life insurance is excluded from creditors’ claims. In addition, the cash value in variable life insurance does not count towards the policyholder’s net worth or total income for tax purposes. Furthermore, many policies contain provisions that protect policyholders from potential lawsuits stemming from the policyholder’s creditors. As such, Pittsburgh residents can trust that the cash value in their variable life insurance policies is secure and protected from creditors.
Do I get dividends from my Pittsburgh variable life insurance company?
In Pittsburgh, PA, the answer to the question of whether you can receive dividends from investments within a variable life insurance policy is "yes"; depending on the policy, many investment options are available, such as fixed and variable rate annuities, ETFs and mutual funds. Additionally, when you buy a variable life insurance policy, you may be able to earn dividends on the cash portion of the policy. Dividends are typically paid on a quarterly basis and can be used to purchase more insurance or to reduce your premium payments.
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