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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 Portsmouth, OH. 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 Portsmouth, OH.
Frequent Questions...
Variable life insurance is a policy which offers policyholders the opportunity to invest within a selection of different mutual funds and other securities. It is a type of permanent life insurance that offers policyholders the ability to build a death benefit while having the potential for investment growth. In Portsmouth, Ohio, working with an experienced life insurance agent is the best way to make sure your unique needs are properly addressed when planning for your financial future with variable life insurance. Your agent is there to help provide valuable advice and insights so that you can make the best decision for yourself and your family regarding your life insurance needs.
Do variable life insurance quotes in Portsmouth come with a cash surrender value?
Yes, variable life insurance does have a cash surrender value in Portsmouth, OH. Most life insurance policies build up what is called a “cash value,” which can be accessed if the policyholder decides to cancel their policy. This cash surrender value can be used to offset a portion of the policy’s surrender charges or even as a source of income while the policy remains active. Depending on the age of the policy, the cash surrender value may be used in part to repay policy loans, or alternatively the policyholder may receive all or a portion of the cash directly.
With a variable life insurance policy Portsmouth, can I decide where my premiums are invested?
Yes, you can choose where your premiums are invested with variable life insurance in Portsmouth, OH. Depending on the type of policy, you can typically invest your premiums in a range of financial products, including stocks, bonds, mutual funds, and exchange-traded funds. Additionally, many insurance companies offer customizable investment options that allow customers to tailor their portfolios to individual preferences. Some insurers also let you have greater control over allocation and asset selection if you use the company's proprietary platform.
How transparent is the investment performance of variable life insurance near Portsmouth?
At Portsmouth Insurance Company, we believe transparency is essential when it comes to assessing investment performance in variable life insurance. To ensure our clients in Portsmouth, OH and the surrounding area have access to the facts, we consistently provide detailed reports and progress metrics on our products. Our goal is to ensure our clients never feel in the dark about the value and progress of their investments and accounts. With enhanced transparency, our clients can be confident they are making wise decisions with their insurance investments.
What are the surrender fees for a variable life insurance quote Portsmouth?
Variable life insurance surrender charges vary depending on the policy and the insurance provider. In Portsmouth, OH, the surrender charges can usually decrease after the first year and will gradually decrease as the policy owner ages. Depending on the insurance company, the surrender charges may range from low to high with no cap on the amount the owner may incur. It is important to read the terms of the policy and make sure to understand the surrender charges for a variable life insurance policy before signing up.
Variable Life Insurance can provide Portsmouth, OH residents with a number of primary benefits. Firstly, they offer flexible premium payments, allowing policy holders to adjust payment amounts depending on their personal financial circumstances. Secondly, individuals can customize the coverage they receive, selecting the best fit depending on their needs. Thirdly, policy holders can enjoy access to some of the higher potential returns available when investing in the stock market through additional cash value in the policy. Finally, certain policy holders may have access to dividends, helping to further increase the value of their life insurance policy.
Can I upgrade variable life insurance policies near Portsmouth to another policy type?
While it may not be possible to upgrade from a variable life insurance policy to another type of policy without cashing out or starting a new policy, there may still be options that could improve your coverage. An independent insurance agent in Portsmouth, OH can help you review your current policy and discuss options that may benefit you. By talking to an experienced agent, they could help you understand your current options, such as whether you can settle the policy, increase coverage by getting additional policies, or look into other types of life insurance policies that may fit your needs.
Can I change investment options for variable life insurance in Portsmouth without tax effects?
In Portsmouth, OH, you may be able to switch between investment options without incurring tax implications. It is important to contact your qualified tax professional to assess your specific situation prior to making any changes. Ultimately, it may be possible to switch investments tax-free depending on the operation of the specific account and whether the switch is made in-service or not. It is important to be aware of any related fees associated with any changes made to your investment option.
Is the cash value in my Portsmouth variable life insurance policy safe from creditors?
In Portsmouth, Ohio, the cash value of a variable life insurance policy is protected from creditors. Under Ohio Revised Code section 3923.07, life insurance proceeds are excluded from the calculation of assets creditor may access should a debtor become insolvent. This is true even with variable life insurance policies, where the cash value available will depend in part on the performance of the underlying investments. It’s important to note, however, that this protection does not extend to any investment gains resulting from policy loans taken against the cash value.
Can I convert from term life insurance with a Portsmouth variable life insurance company?
It is possible to convert a term life insurance policy to variable life insurance in Portsmouth, OH. However, before making a decision to convert, you should consider consulting with a professional financial advisor to ensure the variable life insurance policy best suits your needs. It's important to evaluate the costs associated with the variable life insurance policy, any potential tax implications, and any other details related to the conversion. It's important to note that once a term policy is converted to variable life insurance, it cannot be reverted back.
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