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Compare over 37 Variable Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Seal Beach, CA 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 Seal Beach, 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
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 Seal Beach, CA.
Frequent Questions...
Variable life insurance policies in Seal Beach, CA, differ from other life insurance policies because they allow policyholders to invest a portion of their premiums in a portfolio of different stocks, bonds, or mutual funds. This provides policyholders with the potential to earn investment earnings that could increase the value of their death benefit and is subject to market fluctuations and other risks. Unlike other life insurance policies, the premiums and benefit levels can be adjusted throughout the life of the policy based on the performance of the underlying investments within the policy.
Can I cancel my policy after getting variable life insurance quotes in Seal Beach?
Yes, you can cancel your variable life insurance policy if you are a Seal Beach, CA resident. You should contact your insurance company and ask about their individual cancellation process. In most cases, you must fill out a written "Notice of Cancellation," sign it, and send it to the insurance company in order to complete the process. It is also important to check any policy restrictions or other limitations that may apply, as some policies may have surrender charges or other fees associated with cancelling your coverage.
How does the cash value work for a variable life insurance policy Seal Beach?
Variable life insurance has a cash value component that works differently than those of other types of life insurance. The cash value of your policy is determined according to “Credited Interest”, which is based on current market conditions in Seal Beach, CA. The rate of credited interest changes periodically, usually from the 1st of every month, and is more volatile than that of a fixed policy. The cash value component of variable life insurance works by creating a separate account that provides you with access to your cash values in the form of loans or withdrawals.
What fees are there with variable life insurance near Seal Beach?
In Seal Beach, California, the fees associated with variable life insurance depend on the type of coverage and products selected for your individual needs. Generally, there is an up-front policy fee, administrative fees, annual federal tax deductions, and state premium taxes. Depending on the benefits and coverage levels desired, additional surcharges or fees may apply. Additionally, many variable life insurance policies are offered with riders that may add additional costs to your annual premium. It is important to discuss with an experienced and licensed agent the specific costs, fees, and taxes associated with a variable life insurance policy before making a commitment.
Is there a minimum guaranteed return with a variable life insurance quote Seal Beach?
Variable life insurance policies offered in Seal Beach, CA may come with the opportunity to invest in a variety of options, including stocks, bonds, and mutual funds. These types of policies may not guarantee a minimum rate of return. However, the upside potential of investing in these funds may result in higher returns over time compared to other types of life insurance policies. Regardless, it's important to consider the risks associated with each investment choice before committing to a policy. A knowledgeable financial advisor in Seal Beach can help you make the best decision for your unique situation.
Variable Life Insurance offers several benefits that residents of Seal Beach, California can appreciate. Primarily, this type of insurance provides a customizable and flexible way to plan for the future. It allows you to adjust the death benefit and the premium depending on your current needs, and gives you the opportunity to invest in the stock market. This type of insurance is also widely customizable—you can select the amount of coverage you want, adjust it as needed, and even allocate portions of the premiums to be invested in the stock market.
Can I upgrade variable life insurance policies near Seal Beach to another policy type?
Yes, depending on where you are located in Seal Beach, CA, you may be able to upgrade your variable life insurance policy to a different type of policy such as a term life, whole life, universal life, or indexed universal life insurance policy. It is important to speak with a knowledgeable insurance agent in Seal Beach that is familiar with the types of policies available and the pros and cons associated with each one. A knowledgeable insurance agent can provide a personalized assessment of what type of policy will best meet your specific financial needs and goals.
Does all variable life insurance in Seal Beach offer the same investments?
No, not all variable life insurance policies offer the same investment options. It is important for individuals to consider their particular financial goals when shopping for a variable life insurance policy in Seal Beach, CA. For instance, some policies may offer a variety of stock and bond options for those looking to invest more aggressively. On the other hand, those who are more conservative may opt for a policy with more access to cash and fixed income assets. Either way, it is important to evaluate all of your options to choose the policy that best suits your particular needs and goals.
How liquid is the cash value of my Seal Beach variable life insurance policy?
In Seal Beach, CA the liquidy of cash values in a variable life insurance policy depends on the policy. Generally, variable life insurance policies provide access to liquidity through policy loans and/or withdrawals, and if taken, will be subject to the policy loan charges and/or policy withdrawal charges that will be incurred when such actions are taken. Such charges can reduce the cash value and death benefit from the policy. That being said, a properly maintained policy should have sufficient liquidity for the policy owner to access the cash value when needed.
What's the typical duration of terms with a Seal Beach variable life insurance company?
Variable life insurance policies can have typical durations that vary depending on where you purchase them. In Seal Beach, CA, variable life insurance policies typically last between 20-30 years, though policyholders can alter the duration according to their needs. There are also some policies that may have endpoint ages or other specific limitations, so it's important to confirm the details of a policy before making a financial commitment. Keep in mind that the cost of premiums can change over time and that the duration can affect the pricing of a policy as well.
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