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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 San Dimas, CA. 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
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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 San Dimas, CA.
Frequent Questions...
Variable life insurance policies in San Dimas, CA, are unique from other life insurance policies in that they are investment-oriented and allow policyholders to invest a portion of their premiums in a selection of investment portfolios. This allows holders to grow their death benefit values and choose the specific investments they want to fund with the premiums. In comparison, traditional life insurance policies are designed solely as a financial safety net for the policyholder's beneficiaries upon death and provide a fixed death benefit amount.
Can I use my variable life insurance quotes in San Dimas as collateral?
In San Dimas, CA, variable life insurance can be used as collateral for a loan if it's acceptable to the lender. Many lenders in San Dimas will allow it, but be sure to check the specific lending policies before committing to the loan. While variable life insurance can provide additional coverage in the event of death, it can also be used to secure a loan. When used as collateral, most lenders require that your policy have enough cash value to cover the loan amount.
Can I withdraw or borrow from a variable life insurance policy San Dimas?
In San Dimas, CA, withdrawals and policy loans can be taken from the cash value of a variable life insurance policy, however it's important to understand that the insurance company charges interest on policy loans and unpaid interest is deducted from the death benefit, meaning any outstanding loan balance at the time of the insured's death would reduce the death benefit paid to the beneficiaries. Be sure to understand the consequences of taking out such a loan before making any decisions as the exact terms of the loan and the associated fees and interest can vary between insurance companies.
Is there a death benefit guarantee with variable life insurance near San Dimas?
Variable life insurance policies typically provide a death benefit linked to the performance of the underlying investment option. In San Dimas, CA, the death benefit of a variable policy may not be guaranteed, and the amount of the benefit will depend on the performance of the investments and other factors. However, policies may also include a guaranteed minimum death benefit, so it is important to read the policy for its specific terms and guarantees.
What happens if my variable life insurance quote San Dimas underperforms?
In San Dimas, CA, it's possible that your chosen investments could perform poorly. However, it's important to keep in mind that investing involves risk, and therefore any kind of return cannot be guaranteed. It's wise to research different investment options and to work with professionals to create an appropriate portfolio of investments that are tailored to your particular situation and goals. If your chosen investments perform poorly, it may be advisable to consult a financial expert to determine whether you need to shift your strategy. With proper guidance, you can maneuver your financial path even when there are setbacks.
Variable life insurance may be an excellent way to cover short-term coverage needs in San Dimas, CA. This type of life insurance policy provides flexible premium payments and death benefit options, making it a great option for individuals looking for comprehensive coverage without a long-term financial commitment. Not only is this type of policy suitable for your protection needs, but any funds you may have left over after covering the cost of your policy can generate a significant tax-deferred investment growth if well managed.
Can I direct specific investment strategies for variable life insurance policies near San Dimas?
In San Dimas, CA, the policyholder can work with their financial advisor or insurance agent to recommend a specific investment strategy for the cash value. However, due to state insurance regulations, policyholders have limited control over actual investments for their policy. In certain cases, policyholders may be able to work with their advisor or agent in applying their strategy, within the confines of the law. Ultimately, the agent or advisor is the decision-maker when it comes to selecting investments for the policy, and the policyholder must trust that they are utilizing the best strategy possible.
How can I monitor performance of my variable life insurance in San Dimas?
If you live in San Dimas, you can contact a local financial adviser to assist you in tracking the investment performance of your variable life insurance. An expert adviser can provide valuable insight into different strategies such as asset allocation, stock/bond selections, and a course of action to help you reach your desired goals. Additionally, the adviser can provide you with routine reports on your investments and presents its performance relative to key benchmarks. Tracking your investments is essential for making the most out of your variable life insurance policy.
Can I use my San Dimas variable life insurance policy for retirement savings?
Yes, variable life insurance can be used as a retirement savings vehicle in San Dimas, CA. Variable life insurance is a type of permanent life insurance policy that allows policyholders to invest money in different investment choices. The policyholder can choose to allocate their funds into stocks, equities, bonds and more, giving them the opportunity to grow their retirement savings. Additionally, variable life insurance policies can also provide death benefit protection for survivors and typically have higher surrender values than other types of life insurance policies, which makes them a great option for retirement savings in San Dimas, CA.
How do loans affect death benefits with my San Dimas variable life insurance company?
In San Dimas, CA, policy loans from variable life insurance can have an impact on the death benefit paid out. By taking a policy loan, the insurance holder would be borrowing a portion of their death benefit while still alive, and this would essentially lower the death benefit by the amount of the loan and any applicable interest. It is important to note that policy loans are generally not put in place until the policyholder is deemed eligible and financially stable, and there are typically restrictions as to how much of the death benefit can be borrowed.
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