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With PolicyHub you get to compare over 37 Shady Hills, FL 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.
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 Shady Hills, 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.
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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 Shady Hills, FL.
Frequent Questions...
Variable life insurance is a type of permanent life insurance policy designed to provide lifelong financial protection for policyholders in the Shady Hills area. It is different from other forms of life insurance because it offers a cash value component, which allows policyholders to invest and grow their policy’s cash value in professionally managed investment options, such as stocks, bonds, funds, and other managed accounts. As policyholders’ investments perform, so does the cash value of the policy, allowing them to reap the benefits of years of compounded growth.
Can I cancel my policy after getting variable life insurance quotes in Shady Hills?
Yes, you can cancel your variable life insurance policy, but you should be aware that doing so in Shady Hills, FL may have tax or other financial implications. It is important to seek advice from an independent financial planner before you decide to cancel your policy, as this can help you understand the potential impact of your decision. If you move permanently out of the area, depending on the policy terms and conditions, you may be able to surrender or cancel your policy with no penalty.
Can I withdraw or borrow from a variable life insurance policy Shady Hills?
In Shady Hills, FL, you may be able to withdraw or borrow from the cash value of your variable life insurance policy. To find out if you're eligible, you should contact the insurance company that's partially responsible for the policy. They may offer you the chance to borrow money from your policy without having to terminate or change your current coverage. However, it's important to note that both withdrawals and loans from a policy value are taxable and may impact the amount of death benefits you receive upon the policyholder's passing.
Is there a death benefit guarantee with variable life insurance near Shady Hills?
In Shady Hills, FL, variable life insurance does not offer a guaranteed death benefit, as the death benefit is dictated by the policy's performance and the cash value of the policy. However, with most variable life insurance policies, even if the policy’s value has dropped to zero, there is still some type of minimum death benefit that would be paid out. This minimum death benefit may be quite small, often around $1,000, but it is an assurance that one’s beneficiaries will receive something in the event of death.
What are the surrender fees for a variable life insurance quote Shady Hills?
The surrender charge for variable life insurance will vary depending on your location. For residents of Shady Hills, FL, any withdrawals from your policy in the first 7 years of the policy will incur a surrender penalty of 10%. This penalty decreases by one percentage point per year and after 7 years, there is no surrender charge. Should you choose to make a withdrawal within the first 7 years, the surrender charge deducted from your account would be 10% of the amount withdrawn.
In Shady Hills, FL, the death benefit from an investment can vary depending on the performance of the investment. For example, if the investment performs well, the death benefit could be greater than the original investment amount while if the investment does not perform as well, the death benefit stay either at its original amount or may be lower. Investing in a portfolio of staggered investments can help reduce risk and maximizing death benefit. It is also important to speak to a financial advisor who is knowledgeable about your specific financial situation and objectives before making any investment decisions.
How flexible are premium payments for variable life insurance policies near Shady Hills?
At Shady Hills, FL, we understand the importance of flexibility when it comes to making premium payments for a variable life insurance policy. Our clients have the freedom to choose the payment schedule that works best for them. This includes options such as regular payment in monthly, quarterly, semi-annual, and annual installments. Additionally, we offer flexible payment arrangements where clients can tailor the frequency and amounts of payments according to their income and spending plans. We understand that life is unpredictable, so we make sure to offer our clients the maximum flexibility when it comes to premium payments.
Does all variable life insurance in Shady Hills offer the same investments?
No, not all variable life insurance policies necessarily offer the same investment options. In Shady Hills, Florida, insurers provide a diverse variety of investment options for their clients. Depending on the provider, you may be presented with a range of options, including stocks, bonds, mutual funds, ETFs and more. You may also be able to designate where and how you'd like your money to be invested, giving you more control over your financial future. Ultimately, it is important to shop around and compare your options to ensure you are making the right decision for your needs.
Is my Shady Hills variable life insurance policy considered permanent life insurance?
Variable Life Insurance is not a type of Permanent Life Insurance; however, it can still be a great option for individuals looking for life insurance in Shady Hills, FL. Variable life insurance policies allow the policyholder to choose where their premiums are invested, while permanent life insurance premiums are invested in one-rate, pre-determined investments. That being said, one advantage of having a permanent life insurance policy is that it offers greater financial security, since the death benefit is guaranteed over the life of the policy. This may be important for some individuals looking for coverage in Shady Hills, FL.
Can I convert from term life insurance with a Shady Hills variable life insurance company?
Yes, you can convert your term life insurance to variable life insurance, especially in Shady Hills, FL, where financial planning options are readily available. Life insurance conversion is a process that typically takes place within the same insurance company. In most cases, it simply requires submitting an official request to the insurance company. It's also possible to work with an authorized agent to get answers to conversion-related questions. Ultimately, converting term life insurance to variable life insurance is a personal financial decision that requires a good understanding of the benefits and risks associated with the switch.
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