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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 Rio Rancho, NM. 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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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
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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 Rio Rancho, NM.
Frequent Questions...
Variable life insurance is different from other life insurance policies because it offers policyholders in Rio Rancho, NM the ability to invest a portion of their policy's cash value in market-related investments such as stocks, bonds, mutual funds, and money market funds. This means the cash value of the policy can increase or decrease depending on the rise and fall of the stock market. The benefit of owning a variable life insurance policy is that there is the potential to grow the cash value over time.
With variable life insurance quotes in Rio Rancho, how is the beneficiary impacted by investment performance?
The beneficiary in Rio Rancho, NM will be affected by the investment performance in a number of ways. As the investment grows, the beneficiary will gain access to more assets, which could then be used to purchase goods and services to improve their quality of life. Additionally, the investment growth could be used to fund an education or help pay for living expenses. The investment performance will also improve the beneficiary’s financial security, allowing them to have a greater peace of mind. Lastly, a successful return on investment is likely to provide the beneficiary with a greater opportunity to meet financial goals or other objectives.
What potential risks are there with a variable life insurance policy Rio Rancho?
In Rio Rancho, NM, variable life insurance policies carry the potential risk of fluctuations in the stock market. There is the potential that contributions made and premium dollars utilized during the paying period may not be sufficient to sustain the policy in the long-term if the stock market performs poorly. Additionally, changes in the performance of the underlying funds within the policy can impact the amount of the death benefit. It's important to understand the financial and tax implications of any investment, including variable life insurance, before making a purchase.
Is there a death benefit guarantee with variable life insurance near Rio Rancho?
Variable life insurance can provide a death benefit to your beneficiaries in Rio Rancho, NM, however the amount is not guaranteed. Your premiums will be invested in a variety of separate accounts which will ultimately determine the amount of the death benefit. Risk factors include market conditions, overall performance in relation to the guarantees, and if any sub accounts are tapped to help cover insurance costs. Therefore, the death benefit is contingent on the overall investment performance, and ultimately it is not a guaranteed feature with variable life insurance.
Can I include riders in my variable life insurance quote Rio Rancho?
In Rio Rancho, NM, you can add riders to your variable life insurance policy. Riders are additional benefits that you can purchase to supplement your variable life insurance policy. Depending on the type of coverage you choose, riders can provide features such as term life coverage, accelerated death benefits, long-term care protection, and disability income protection. Adding riders to your policy can enable you to tailor the policy to your specific needs and provide additional benefits that may otherwise be unavailable.
The death benefit available to residents of Rio Rancho, NM will vary based on the performance of their investment. Generally speaking, investments that perform better than anticipated will result in a larger death benefit, while investments that perform below expectations will result in a smaller death benefit. Depending on the investment type, there could be other additional variables that could affect the amount of the death benefit regardless of its investment performance. It's best to consult with a financial planner to ensure an understanding of how the death benefit will be impacted by the investments chosen.
Can I upgrade variable life insurance policies near Rio Rancho to another policy type?
Yes, you can upgrade your variable life insurance policy to another type of policy in Rio Rancho, NM. The process begins with contacting an insurance agent in your local area. They will be able to assist you with reviewing your current policy, determine what kind of policy would best suit your needs, and provide the guidance necessary to transition you from variable life insurance to another type of policy. Additionally, the agent will explain the differences in coverage, premiums, and length of terms for each option so that you can weigh your options. Ultimately, the choice will depend on your individual situation and needs.
Can I change investment options for variable life insurance in Rio Rancho without tax effects?
In the City of Rio Rancho, NM, switching between investment options without tax implications is possible. You can consult with a local financial professional to determine the best course of action. Depending on the type of investments, transfer fees and taxes may be waived or reduced in some cases. Additionally, many brokerages have practices that allow switching investments without incurring capital gains or other related taxes. This decision will be ultimately be determined by the type of investment and any applicable federal or state laws.
Is my Rio Rancho variable life insurance policy considered permanent life insurance?
Variable life insurance is indeed a type of permanent life insurance that is offered to Rio Rancho, NM residents. This type of coverage allows policyholders to invest a portion of their death benefit in investment accounts like stocks, bonds, and mutual funds. Though these investments are usually more volatile, they can result in greater returns in the long run. Furthermore, the ability to adjust premiums over time and access cash value of the policy makes variable life insurance a potentially attractive option for those living in Rio Rancho, NM.
How do loans affect death benefits with my Rio Rancho variable life insurance company?
A policy loan from a variable life insurance policy impacts the death benefit in Rio Rancho, NM by reducing the benefit for the policyholder's named beneficiary. The death benefit is reduced by the amount of policy loans outstanding and any interest accrued until the policyholder pays back the loan and interest. However, taking policy loans from the cash value of variable life insurance policies can offer tax-deferred income to the policyholder in Rio Rancho, NM.
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