Taking too long? Close loading screen.
Compare over 37 Variable Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Sebastian, FL 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 Sebastian, FL. 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 Sebastian, FL.
Frequent Questions...
Anyone living in Sebastian, FL who wants to have their family's financial security taken care of should consider purchasing variable life insurance. Variable life insurance offers Sebastian-residents financial flexibility and the promise that their families will be taken care of should anything happen to them. Variable life insurance can be tailored to fit the individual and provide the necessary coverage to protect their loved ones and help them reach their financial goals. With this type of insurance, policyholders have the opportunity to invest in mutual funds, stocks, and bonds, helping them maximize their financial returns over time.
Are there early withdrawal penalties for variable life insurance quotes in Sebastian?
Yes, there are potential penalties for early withdrawal from the cash value in Sebastian, FL. This depends on the type of account, the amount of money withdrawn, and the investment company. Some common penalty types include forfeiture of earned interest, fees, and/or taxes owed on the earnings. Withdrawing money before a certain period has passed may also trigger penalties, such as resetting the dividend rate of the policy. It’s best to speak with a financial professional to determine applicable penalties.
How does the cash value work for a variable life insurance policy Sebastian?
Sebastian, FL residents can benefit from variable life insurance, which allows flexible cash value accumulation. This type of policy allows policyholders to invest in stocks, bonds, mutual funds and other investment options through the insurer, providing access to a potentially higher rate of return than traditional life insurance products. The policyholder can access or borrow against the cash value of their policy in the event of a financial need. The cash value grows tax-deferred and when the insured passes away, any remaining cash balance passes to their heirs upon death.
How often can I modify my investments in variable life insurance near Sebastian?
Sebastian, FL residents who have variable life insurance can change their investment choices as often as they would like, depending on the specific insurance policy. It is important to keep in mind, however, that there may be potential limitations or fees associated with making too many changes at once. It is best to consult with the insurance provider to review the terms and conditions of a particular policy and identify any potential restrictions associated with making changes to the investment choices.
What are the surrender fees for a variable life insurance quote Sebastian?
The surrender charges for variable life insurance plans may vary for Sebastian, FL based on the specifics of the policy. Depending on the terms, fruiting schedule, bluff and length of the particular policy, the charges may range from approximately 5%-15%. Fees apply when money is withdrawn from the plan within the first 5-7 years of the policy, and the exact amount depends on when the money is withdrawn and the specifics of the policy.
Yes, Sebastian, FL residents must meet certain age requirements to buy variable life insurance. Generally, 18-years-old is the minimum age, but the policy purchaser must also be at least 75-years-old when the policy term ends. It is important to be aware of these age restrictions in order to choose the right life policy that fits your lifestyle and future goals. Additionally, it's important to remember that the insurance company will assess the age and health of the applicant as part of the application process.
Can I upgrade variable life insurance policies near Sebastian to another policy type?
Yes, Sebastian, FL residents can certainly upgrade their variable life insurance to another type of policy. There are a variety of options available for you to consider, depending on your financial objectives and individual needs. An experienced insurance provider can consult with you to evaluate the different policies and help you select the best one for your specific case. Options such as term life insurance, universal life insurance, whole life insurance, and standard variable life insurance can be discussed in order to make the most informed decision. The provider can also help you to understand the specific premiums, benefits, and overall costs associated with the policies.
How can I monitor performance of my variable life insurance in Sebastian?
Sebastian, FL provides a wealth of resources to assist you in tracking the investment performance of your variable life insurance. You can check with your insurance provider to learn more about the details of your investments, or find a financial advisor right in Sebastian to help you manage and track your investments. You can also check local newspapers or financial websites to get information about how the markets are performing in relation to your investments. Keeping an eye on your investments in a timely manner is essential to making sure your variable life insurance is working for you.
Is the cash value in my Sebastian variable life insurance policy safe from creditors?
Yes, the cash value in a variable life insurance policy is protected from creditors in Sebastian, FL. The Florida Supreme Court has ruled that life insurance benefits are protected from creditors through an "Actuarial Value Exemption" in 1993. This exemption states that the benefits from life insurance can be used as a source of income to creditors in certain circumstances, however the value of any cash that has accumulated within the policy will remain protected. It is important to note that this only pertains to variable life insurance policies.
Do I get dividends from my Sebastian variable life insurance company?
Sebastian, FL investors may be able to receive dividends from their investments within their variable life insurance policy; however, this is not guaranteed for all investors as the type of dividend received, if any, will depend upon the specific policy and the investments chosen. Generally speaking, dividends will fluctuate in value from year to year, and investors should note they are not guaranteed a certain rate of return.
Compare Sebastian, FL 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
