Compare over 37 Variable Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Raytown, MO 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
Your one-stop-shop to compare all the rates, all at once.
With PolicyHub you get:
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
ATTN: 2024 Variable Life Insurance rates just released!
Get the latest Variable Life Insurance rates for 2024 and lock in your policy today! Get started comparing policies right now.
Get the Variable Life Insurance plan with the cheapest rates in 3 easy steps.
Done in 3 easy steps
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 Raytown, MO. 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.
![]() |
Option 1 | Option 2 | ||
---|---|---|---|---|
100% Digital | ||||
Licensed Agents | ||||
Expert Support | ||||
Get Started in 15 minutes | ||||
Decades of Experience | ||||
Compare 37+ Providers | ||||
Zero Hidden Costs | ||||
Top Insurance Providers |
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 Raytown, MO.
Frequent Questions...
Variable life insurance is a type of permanent life insurance policy that provides individuals in Raytown, MO with flexibility in their premiums, death benefits, and investment options. With variable life insurance, policy holders are able to choose their own mix of investment accounts, such as bonds, stocks, or mutual funds, to build wealth over the long term. The death benefit is determined by the value of the account when the policy holder passes away, meaning that as the investments do well, the death benefit will increase. Additionally, the policy holder is able to adjust their premiums to reflect their changing financial situation.
With variable life insurance quotes in Raytown, how is the beneficiary impacted by investment performance?
In Raytown, MO, the beneficiary of an investment can be greatly affected by its performance. A beneficiary stands to gain from a successful investment, as returns can bolster their financial stability. On the other hand, a failed investment can create financial hardship for the beneficiary, as funds may be at risk of being lost in unsound investments. Ultimately, it is essential that the beneficiary create a well-rounded investment portfolio and not rely on any one source of income.
What are the tax aspects of a variable life insurance policy Raytown?
Understanding the tax implications of variable life insurance in Raytown, Missouri is important. Tax laws can vary from year to year, so be sure you consult an experienced tax professional before purchasing a variable life insurance policy. Generally speaking, the premium payments made for variable life insurance are not tax deductible. However, the death benefits are generally received income tax free. Additionally, cash values built up in the policy may be withdrawn on a tax-free basis.
Do I need to understand investments for variable life insurance near Raytown?
Raytown, MO has many options when it comes to purchasing variable life insurance. You do not need to have strong investment knowledge to make a good choice when it comes to variable life insurance, as there are experienced professionals who specialize in helping people identify and purchase the best insurance for their needs. However, it is always beneficial to have a basic understanding of investments to make the most informed decision possible. Thus, although it is not necessary to have a strong knowledge of investments to purchase variable life insurance, it can certainly help provide additional peace of mind when making your selections.
What are the surrender fees for a variable life insurance quote Raytown?
The surrender charges for variable life insurance in Raytown, MO will depend on the insurer and the policy provisions, so it is important to discuss these terms with your insurance provider to be sure you understand them. Generally, you may be subject to multiple surrender charges as you cash out of your policy; these could include a deferred sales charge, early withdrawal penalty, market value adjustment, or any other charges outlined in your policy. Therefore, if you are considering cashing out your life insurance policy, talk to your insurance provider to discuss your options and understand any surrender charges that may apply.
Variable life insurance may be suited to short-term coverage needs in Raytown, Missouri, depending on the individual’s circumstances. Variable life insurance offers the opportunity for a policyholder to invest their money from their policy into a variety of different investments, such as stocks, bonds, mutual funds or other investment products. The growth of the account can help to create a solid financial cushion in the long run, but it is important to understand that investments could be subject to market fluctuations and risk.
Do variable life insurance policies near Raytown provide guarantees on returns?
Variable life insurance offers Raytown, MO residents the benefits of potential tax-deferred growth and potential wealth accumulation, but it does not guarantee investment returns. This means that the policyholder's investment gains or losses will depend on the performance of the underlying investments in the policy. This type of policy can provide financial benefits to those who take the time to research the underlying investments, weigh the risks and benefits associated, and manage their investments accordingly.
Can I change investment options for variable life insurance in Raytown without tax effects?
Yes, you can generally switch between investment options without tax implications in Raytown, MO. However, depending on what type of retirement savings account or investment account you own, there can be different tax implications. For example, if you rollover IRA funds from one account to another, it can be done without any initial taxes. However, the Internal Revenue Service (IRS) can impose taxes and penalties if funds are withdrawn before you are 59 1/2 years old. It's important to know the IRS guidelines for your particular investment vehicles before making any major changes.
Is my Raytown variable life insurance policy considered permanent life insurance?
Variable Life Insurance is a type of permanent life insurance, however Raytown, MO and other regions may call for adapted versions of this product. Variable life insurance is a popular form of permanent life insurance that is designed to provide coverage for the entirety of a person's life and includes separate accounts that help to accumulate cash value over time. The cash value that accumulates can then be used to supplement the insurance death benefit.
What's the typical duration of terms with a Raytown variable life insurance company?
The duration of a variable life insurance policy in Raytown, MO varies and is typically determined based on the individual needs of the policyholder, although some policies may last for a lifetime. Generally speaking, though, the duration of a variable life insurance policy is flexible and can be customized to meet the policyholder's needs. Many policies also offer additional features, such as the ability to convert the policy or payment flexibility. The length of the policy can also be determined based on the policyholder's lifestyle and financial situation.
Compare Raytown, MO Variable Life Insurance Policies
Get started today and compare over 37 Variable Life Insurance providers in as little as 15 minutes.
© 2024 PolicyHub - all rights reserved