Compare over 37 Variable Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Sartell, MN 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 Sartell, MN. 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 Sartell, MN.
Frequent Questions...
Sartell, MN residents who are looking for long-term financial protection, flexibility in their coverage, and potential extra cash in the form of tax-deferred dividends should consider purchasing variable life insurance. Variable life insurance provides the flexibility of changing the death benefit amount and premium payments, according to the policyholder's individual needs and changing financial circumstances. Furthermore, this type of insurance offers significant potential for additional wealth and accrual of cash value as the policy accumulates more cash value over time as premiums are paid.
Can I cancel my policy after getting variable life insurance quotes in Sartell?
Absolutely, you can cancel your variable life insurance policy in Sartell, MN. Be sure to contact the provider and review your contract to understand the details, such as the timing and process for canceling your policy. It is important to note that you may be subject to surrender charges or other fees for canceling the policy. Moreover, you must make sure that any outstanding loans or other obligations associated with the policy have been paid before the cancellation takes place. To learn more, contact your insurer's customer service team for more details about your particular policy.
Can I withdraw or borrow from a variable life insurance policy Sartell?
While variable life insurance policies provide cash value, withdrawal or borrowing from the cash value is subject to contract limitations and policy performance. Depending on the type of policy you have, the performance of your policy in Sartell, MN, as well as your individual financial circumstances, may affect your ability to withdraw or borrow from the available cash value. As such, it's recommended that you consult a financial advisor in the area to discuss your options.
Is there a death benefit guarantee with variable life insurance near Sartell?
While variable life insurance has the potential to provide a death benefit, it is not guaranteed. However, life insurance providers in the Sartell, Minnesota area can offer a number of death benefit options that may help ensure your family is provided for in the event of your death. Options may include additional riders and features you can add on to your life insurance policy or through a separate, supplemental policy. Depending on your individual needs and budget, your agent may be able to help you find an option that fits your situation.
What happens if my variable life insurance quote Sartell underperforms?
If your chosen investments in Sartell, MN underperform, it will lead to a lower return on your capital. If this happens, it's important to review the reasons behind the investments' underperformance and assess whether changes should be made to your portfolio. A financial advisor can also provide advice and guidance on the best course of action. It's best to review any losses against a longer-term investment horizon to avoid making any panicky decisions. Making changes to your investments will depend on assessing the risk factors and how comfortable you are with the potential returns versus the level of risk being taken.
In Sartell, MN, death benefit amounts vary based on the performance of a person's investment strategy. When investments perform well, the death benefit payout amount may be higher than expected. On the other hand, if the investments experience poor performance, the death benefit amount may decrease, or may not be paid out at all. Income, total savings, market conditions, and other investment-related factors are just a few items that can also affect the amount of the death benefit payout. It is important to ensure that your chosen investment strategy is based on solid research and advice from a reputable financial professional.
How flexible are premium payments for variable life insurance policies near Sartell?
In Sartell, MN, there is great flexibility with premium payments in variable life insurance. These type of policies allow customers to adjust their premium payments based on their individual needs. Premiums can be changed at any time to accommodate increases or decreases in income and other financial obligations. Furthermore, there are several payment options available such as Automated Clearing House, credit card, or even check, to ensure customers have the flexibility needed to manage their policy. Whatever option you choose, the goal is to have a life insurance plan that works for you and your ever-changing financial circumstances.
Are management fees for variable life insurance in Sartell similar to mutual funds?
It depends on the specifics of the variable life insurance policy you are considering. However, in general, the management fees associated with variable life insurance in Sartell, MN tend to be higher than those of regular mutual funds. Variable life insurance management fees may include charges for the policy, administrative costs, mortality charges, and more. To make sure you are getting the best value, it is important to compare the fees for various options and evaluate the benefits of each policy. Additionally, it is a good idea to speak to a financial professional to ask their opinion before committing to a policy.
Can I use my Sartell variable life insurance policy for retirement savings?
Yes, variable life insurance can be used as a retirement savings vehicle in Sartell, MN. This type of life insurance enables policyholders to invest in certain mutual funds or other investments, allowing them to put money away for their future. The benefits of using variable life insurance for retirement savings in Sartell include access to professionally managed investments, potential tax savings, and, depending on the policy, a death benefit for the policyholder's beneficiaries. Policyholders should, however, be mindful of the risks associated with this type of insurance and consult their financial advisor before investing.
Can I convert from term life insurance with a Sartell variable life insurance company?
Absolutely! If you live in Sartell, MN, a financial advisor can assist you with converting your existing term life insurance policy to a variable life insurance policy. At [INSERT NAME OF FINANCIAL ADVISOR], our advisors can help you explore your options, assess your needs, and determine the best type of life insurance policy that suits you. Depending on your individual requirements, the variable life insurance policy may provide increased flexibility and opportunities for investment that may not be available in the term life policy. A qualified and knowledgeable financial advisor will be able to guide you through the entire process.
Compare Sartell, MN 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