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With PolicyHub you get to compare over 37 Rowlett, TX Variable Life Insurance policy providers in as little as 15 minutes. Save time. Save big. Get started now.
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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 Rowlett, TX. 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
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 Rowlett, TX.
Frequent Questions...
A variable life insurance policy in Rowlett, TX is a great way to provide protection for your family while buildin g wealth for the future. It is important to understand all of the primary components of such a policy. The policyholder pays a flexible premium that is allocated between a cash value account and a death benefit. Any earnings on the cash value account are tax-deferred, allowing for growth for retirement planning or otherinvestment purposes. Part of the premium payments also goes to a separate life insurance protection account which is the death benefit payout if the policyholder passes away.
Can I use my variable life insurance quotes in Rowlett as collateral?
In Rowlett, TX, variable life insurance can be used as collateral for a loan, provided that it is allowed by the lender and meets their requirements. To guarantee a loan, many lenders require a certain level of cash value to be in the policy. Additionally, variable life insurance policies must remain in good standing for the duration of the loan and must not be allowed to lapse. It is important to note that some other types of insurance, such as term life insurance and whole life insurance, may not be accepted as collateral in some cases.
What are the tax aspects of a variable life insurance policy Rowlett?
Understanding the tax implications of variable life insurance is especially important for Rowlett, TX residents. Generally, there is no tax liability until a withdrawal or a loan from the policy, in which case, the amount withdrawn or borrowed will be taxed at the ownerβs marginal income tax rate. Furthermore, any increase in the value of the policy will be invested Tax-Deferred. However, it is important to note that certain policy fees, nominee fees, and dividends are not tax deductible. In addition, special rules may apply to policies owned by corporations, partnerships, and other businesses.
Do I need to understand investments for variable life insurance near Rowlett?
No, you don't need to be an investment expert to purchase variable life insurance in Rowlett, TX. That's because the policy will have a team of experts to guide and manage your investments. Often, they will have specialized knowledge of investments and suggest a portfolio tailored to your specific financial situation and risk tolerance. It's worth noting, however, that while you don't need to be savvy when it comes to investing, you will need to understand the specifics of the policy and understand the types of investments available to you.
Is there a minimum guaranteed return with a variable life insurance quote Rowlett?
Variable life insurance policies in Rowlett, TX include a wide range of potential returns, and so are not going to consistently offer the same guaranteed minimum return. Guaranteed returns can often be found in fixed annuities or life insurance policies with guaranteed return options; however, they will not be available with a variable life insurance policy. Variable life insurance policies provide the potential for greater returns, but come with a higher risk. It is important to carefully review your options and find the best fit for you and your lifestyle in Rowlett, TX.
Yes, there are age restrictions in place when it comes to buying variable life insurance in Rowlett, TX. The legal age to purchase variable life insurance is 18, although some companies may have slightly different standards based on the plan chosen. Some age restrictions may also apply to the age of the beneficiaries, and any limits or restrictions associated with a particular variable life insurance policy should be discussed with a qualified agent in your area. It is important to note that some variable life policies may require you to take a medical exam to qualify for coverage, so this should be factored into your decision-making process.
Can I upgrade variable life insurance policies near Rowlett to another policy type?
Absolutely, if you live in or around Rowlett, TX you can upgrade your variable life insurance policy to another type of life insurance policy. With the help of a licensed Rowlett life insurance agent, you can easily review your current policy and determine the best plan to meet your needs. By thoroughly reviewing your current financial situation, the agent will be able to provide valuable advice on the life insurance product that would best fit your goals. Additionally, the agent can explore any tax implications related to the upgrade to ensure that it is the best decision for you and your family.
Are management fees for variable life insurance in Rowlett similar to mutual funds?
Yes, the management fees for variable life insurance are comparable to regular mutual fund fees. However, it is important to note that the cost of insurance coverage is generally higher with variable life insurance than with mutual funds offered in the Rowlett, TX area. Additionally, there are some operational costs in the form of annual fees and mortality charges that are built into the investment cost of variable life insurance that are not associated with traditional mutual funds. Ultimately, you should discuss your specific situation with a qualified financial professional to determine the best option for your unique needs in Rowlett, TX.
Can I use my Rowlett variable life insurance policy for retirement savings?
Yes, variable life insurance can be used as a retirement savings vehicle in Rowlett, TX. This type of insurance is a flexible tool that can create cash value investors can use at retirement. When looking to build retirement savings in Rowlett, variable life insurance is a good option, since it can be used to create long-term cash values that help make up for income shortfalls. In addition, policy owners are able to adjust their coverage amounts and had the option to take distributions from their cash value accounts.
How do loans affect death benefits with my Rowlett variable life insurance company?
Variable life insurance policies in Rowlett, TX allow policyholders to take a loan against their death benefit in order to pay for items such as college tuition or a large purchase. While this loan is active, the death benefit amount will be reduced in order to secure the debt. Policyholders should be mindful of the interest charged on the loan, as this will eat into the death benefit amount once the insured has passed away. Moreover, taking a loan on a variable life insurance policy greatly increases the amount of risk, since investments are only as reliable as underlying market conditions.
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