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With PolicyHub you get to compare over 37 Raleigh, NC Variable Life Insurance policy providers in as little as 15 minutes. Save time. Save big. Get started now.
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Over 37 policy provider comparison.
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Benefit from exclusive deals offered only to residents of your state, and lock in huge rate discounts.
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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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"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 Raleigh, NC. 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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Mark Sidway
Variable Life Insurance agent
Mark Sidway is a Variable Life Insurance agent licensed in your state.
Cale Reeves
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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 Raleigh, NC.
Frequent Questions...
Individuals in Raleigh, NC who are looking for a financial safety net for their families and want life insurance with added flexibility should consider purchasing variable life insurance. These policies offer a cash value account that can be used for savings and investments, providing a layer of protection in addition to the policyβs death benefit. The cash value of variable life insurance grows tax deferred, and the policyholder can make changes to the death benefit and premiums while their situation changes, making it a great way to plan for the future.
Are there early withdrawal penalties for variable life insurance quotes in Raleigh?
It is important to note that in Raleigh, North Carolina, there are potential financial penalties for early withdrawal from the cash value of an investment. Depending on the terms of the policy, an investor may incur a sizable surrender charge, making a withdraw all but cost-prohibitive. In addition, depending on the policy's time frame and expected earnings yield, an early withdrawal may even fail to provide an adequate return on the initial investment amount.
How does the cash value work for a variable life insurance policy Raleigh?
The cash value component of variable life insurance is designed to empower you to make your own investment decisions. In Raleigh, NC, many variable life insurance policies offer access to a wide range of financial investments, from stocks and bonds to mutual funds and money market accounts. With variable life insurance, you can allocate your funds to meet your financial goals and take advantage of greater returns. By building up the cash value of your variable life insurance policy, you can also leverage the savings for things like paying premiums, college savings, or retirement.
How often can I modify my investments in variable life insurance near Raleigh?
In Raleigh, NC, the answer to the question "How often can I change my investment choices with variable life insurance?" is unique to each individual policy. Generally speaking, variable life insurance offers a certain degree of flexibility, allowing you to adjust your investments or even shift gears at least once per policy year. Please contact your specific coverage provider for more information about specific rules.
Can I include riders in my variable life insurance quote Raleigh?
Yes, you can add riders to a variable life insurance policy in Raleigh, NC. Depending on the insurer, these can include riders such as a Chronic Illness Rider, an Accelerated Death Benefit Rider, and other options. Each rider provides added benefits and protection to the policy, so it's important that you discuss your specific needs with your life insurance agent before selecting them. Additionally, you should understand the features of the rider, how the rider will affect the premium, and other details of the policy to ensure you are making the right decision for your particular situation.
The death benefit of an investment in the Raleigh area will depend on the performance of the investment itself. The rate at which the investment grows and the security of the investment will increase or decrease the value of the death benefit. Different investments present different levels of risk and reward, so the death benefit can vary from one investment to the next. Individuals should discuss the potential death benefit with their financial advisor in order to find the best possible investment for their needs.
Can I upgrade variable life insurance policies near Raleigh to another policy type?
Yes, it is possible to upgrade your variable life insurance policy to another type of policy in Raleigh, NC. There are many insurance carriers in the area that offer various types of policies, allowing you to change your coverage to fit your needs. Additionally, local licensed insurance agents in the Raleigh area specialize in helping individuals find the right coverage for them, so you can trust that you'll be receiving the best possible advice. So if you're interested in exploring other options for life insurance, contact an expert in Raleigh to start the process today.
How regularly should I check my variable life insurance in Raleigh?
In Raleigh, North Carolina, it is recommended that variable life insurance policyholders review their policy annually. This way, you can review your insurance needs and any changes in your life that could merit additional coverage or adjustments to your policy. It can also be beneficial to review your policy if you have recently made any major financial changes, such as receiving a raise or getting a big bonus. Taking the time to review your policy can ensure that your policy and coverage are meeting your needs and financial situation.
How liquid is the cash value of my Raleigh variable life insurance policy?
The cash value of a variable life insurance policy depends on the policy terms and the type of life insurance. In Raleigh, NC, the cash value of a variable policy is highly dependent on the performance of the investments you put into the policy. Generally, the more investments that perform well, the more liquid the cash value of the policy becomes. The investments you make in the policy also form the basis for your death benefit. Additionally, some variable life insurance policies allow you to take loans or withdraw a portion of the cash value, making that portion even more liquid.
Do I get dividends from my Raleigh variable life insurance company?
In Raleigh, NC, variable life insurance enables you to receive dividends from the investments within your policy. The exact dividend you will receive is separated by the type of investments you choose which may include stocks, bonds and mutual funds. All of these investments carry different risks and rewards associated with them, which are largely based on the performance of the underlying assets. Upon receiving a dividend, it will be deposited directly into your policy's cash value. It is important to speak with your insurance provider to determine which type of investments are best suited for your individual situation.
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