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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 Plantation, FL Variable Life Insurance policy providers in as little as 15 minutes. Save time. Save big. Get started now.
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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 2
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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.
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 Plantation, FL. 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 Plantation, FL.
Frequent Questions...
In Plantation, FL, the premiums for variable life insurance are not fixed. Premiums may vary depending on the policyholder's contribution, investment performance, and other factors which are unique to the individual. The policyholder has the flexibility to make changes to their premium contributions and investment and insurance risks to best meet their specific needs. Variable life insurance also offers a death benefit which may increase or decrease depending on underlying investment performance. It is important to keep in mind that with variable life insurance policies, the death benefit cannot be guaranteed and policyholders may face significant loss in the event of a market downturn.
Can I use my variable life insurance quotes in Plantation as collateral?
It is possible to use a variable life insurance policy as collateral for a loan in Plantation, FL, though this option is not typically considered as it may have greater risks than traditional collateral. It is important to understand the terms of the loan contract and be aware of potential drawbacks and the possible outcomes of using such a policy as collateral. It will be necessary to consult a financial advisor in Plantation to discuss your individual risks and needs before making a decision. Furthermore, it is advisable to review the terms of the specific policy with a qualified insurance agent to ensure the coverage meets any loan requirements.
Can I withdraw or borrow from a variable life insurance policy Plantation?
In Plantation, FL, you may be able to withdraw or borrow from the cash value of your variable life insurance policy, depending on the terms of your policy. Each policy is unique and can have different rules regarding withdrawals and loans. Generally, you may be able to take a loan against the cash value of your policy, and use the premiums you pay to repay the loan and pay the interest on it.
What fees are there with variable life insurance near Plantation?
In Plantation, FL, the fees associated with variable life insurance policies depend on the provider and the specific plan. Generally, the total cost of a variable life insurance policy includes fees like a base policy rate, annual fees, mortality and expense risk charges, and the cost of any optional riders or benefit increases. It's important to understand that any investments, including variable life insurance, may increase or decrease in value, and you could lose money.
Can I include riders in my variable life insurance quote Plantation?
Yes, you can add riders to a variable life insurance policy in Plantation, FL. This is beneficial as it can add more flexibility to the policy and enable you to adjust it to your unique needs. With riders, you can choose specific types of coverage such as disability, long-term care, critical illness, etc. You can also add a variety of benefits such as access to additional funds, guaranteed income, death benefits, and more. To add a rider to your policy, it's recommended that you consult with an insurance specialist to determine what type of coverage best suits your needs and budget.
Plantation, FL residents considering variable life insurance can look forward to a variety of personal and financial benefits. These include access to cash value and tax-deferred growth, increased flexibility of contributions and allocations, plus the potential for higher overall earnings compared to traditional policies. With variable life insurance, policyholders have the opportunity to customize their investments, manage their portfolio, and select from a range of options that meet their financial goals. In addition, variable life insurance provides a dependable death benefit, plus living benefit options that can help protect against the potential risks associated with long-term care or critical illness.
How flexible are premium payments for variable life insurance policies near Plantation?
In Plantation, FL, premium payments for variable life insurance can be quite flexible. Many carriers offer payment optins that range from one time payments to weekly, bi-weekly, semi-monthly, or monthly payments. Additionally, depending on the policy and the carrier, changes can often be made at any time to adjust the frequency and amount of premium payments. Ultimately, this means that while initially selecting a payment type is important, you can often make changes when needed to provide extra flexibility.
How regularly should I check my variable life insurance in Plantation?
It is advisable to review your variable life insurance policy at least once a year, especially if you live in the Plantation, FL area due to the changing weather and climate. In doing this, insured persons can make sure that the policy details still match their needs, allow them to make adjustments as necessary, and take advantage of any changes in the laws or regulations that may affect their coverage. Keeping an updated policy also provides family members the assurance that they will be taken care of in the event of the policy holder's death.
Is my Plantation variable life insurance policy considered permanent life insurance?
Yes, variable life insurance is a type of permanent life insurance. In Plantation, FL, it offers policyholders the opportunity to choose investments that can help build potential cash value within their policy, while still providing death benefit protection. Unlike term life, the policy is in effect for the policyholder's entire life. The policy's cash value grows tax-deferred so there are no taxes due on withdrawals until the policyholder takes possession of the money. The variable life insurance policy represents a unique blend of risk and reward, making it a great choice for people who reside in Plantation, Florida.
What's the typical duration of terms with a Plantation variable life insurance company?
In Plantation, FL, the typical duration of a variable life insurance policy is typically between 10 and 30 years. The policy length you choose depends on your age and the amount of coverage you need. Generally, the shorter the duration of the policy, the lower the cost of the policy. Furthermore, the policy length should be based on when your insurance policy can best provide the protection you need in the future. A longer-term policy ensures that you and your loved ones are protected for the greatest amount of time, but it also means paying a higher premium.
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