Compare over 37 Variable Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Shreveport, LA 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 Shreveport, LA. 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 Shreveport, LA.
Frequent Questions...
In Shreveport, LA, variable life insurance premiums can vary depending on the individual policy and the company selling the policy. It is important to note that there are two types of premiums involved – a fixed premium and a variable premium. The fixed premium is paid into the policy, and will remain at the same amount throughout the term of the policy. The variable premium, however, can fluctuate with the performance of the investments in the policy – meaning that it is dependant on market conditions. For this reason, maintaining the performance of the investments is important in order to ensure the premium remains manageable.
Can I cancel my policy after getting variable life insurance quotes in Shreveport?
Yes, you can cancel your variable life insurance policy in Shreveport, LA. In order to properly cancel your policy, you will need to contact your insurance company, as cancellation processes may vary from one insurer to the next. Additionally, you may be subject to a surrender charge or other fees for cancelling the policy. It is best to contact your insurer directly in order to determine all details related to cancelling your variable life insurance policy.
With a variable life insurance policy Shreveport, can I decide where my premiums are invested?
Yes, you can choose the specific investments you want to include in your variable life insurance policy in Shreveport, LA. The way this works is you can choose from a range of approved mutual funds, stocks, and bonds that fit your risk and return preferences and goals. Many policies allow you to purchase investment options outside of the approved list, but you should always consult an expert to make sure these investments are in line with your policy objectives. Ultimately, the investments you choose from should depend on factors such as your risk tolerance, financial goals, and your unique circumstances.
What fees are there with variable life insurance near Shreveport?
In Shreveport, LA, the fees associated with variable life insurance will vary depending on the provider. Generally, the fees will include both mortality and expense charges. Mortality charges can range from 0.75 to 3% of the premiums paid. Additionally, the expenses related to the policy including cost of administration, underwriting, legal, and investment management may also be billed. Finally, if the policyholder enters into a contract with an investment sub-account, they may incur additional fees that cover marketing costs.
How does a variable life insurance quote Shreveport handle dividends?
In Shreveport, Louisiana,variable life insurance policies provide you with the opportunity to invest in mutual funds and other securities, with any dividends from dividends from the investments being treated as tax-deferred income. This type of insurance policy is an excellent way to ensure you have a steady stream of income in retirement, allowing you to not only enjoy the extra income from dividends but also benefit from tax-deferred growth. Additionally, if you are a business owner in Shreveport, you may also consider using a variable life insurance policy to help you with estate planning.
Variable life insurance in Shreveport, LA can be a great option for short-term coverage needs, since it is a permanent form of life insurance. It can provide personalized, flexible coverage that can be altered as your life and needs change over time. It also offers certain potential tax advantages, such as potential tax-free withdrawals, depending on how and when the policy is used. Since variable life insurance policies have an adjustable premium, you can always adjust your payment amount based on your current circumstances.
Do variable life insurance policies near Shreveport provide guarantees on returns?
Variable life insurance in Shreveport, LA does not guarantee specific investment returns since your return can depend on a variety of different factors. Although the investment options associated with variable life insurance offer the potential to grow a greater return than traditional fixed products, you can also experience losses in your policy value when the market decreases. It's important to speak with a professional about the risks associated with this type of insurance and how it may affect your long-term financial goals.
Can I change investment options for variable life insurance in Shreveport without tax effects?
In Shreveport, LA, investors may switch between investment options without tax implications if they are aware of the regulations. Under the US Securities and Exchange Commission, one may switch investments without penalty as long as the option chosen is no longer than sixty days long and does not involve commission-based transactions. However, if one wishes to exchange funds or assets for more than sixty days, the investor may be taxed. It is thus important to make sure to verify the IRS regulations and to be aware of any taxes or penalties that may arise from investment switches.
How liquid is the cash value of my Shreveport variable life insurance policy?
Cash value in a variable life insurance policy is generally liquid and accessible to the policyholder in Shreveport, LA. Rather than being tied to a fixed return rate as with other types of investments, policyholders are eligible to invest in mutual funds and other assets, allowing them to liquidate their cash value if needed. The amount of liquidity available will depend on the asset, but it generally allows for easy access to the accumulated cash value at any time. Additionally, the policyholder is able to access the accumulated value without incurring any withdrawal fees or penalties.
Do I get dividends from my Shreveport variable life insurance company?
Yes, you may receive dividends from the investments within your variable life insurance in Shreveport, LA. The dividends, which may be paid in cash or used to purchase additional units of the separate account investment options, are calculated based upon the investment earnings of the underlying portfolio investment options you select. You can learn more about the investment performance of the variable life insurance policy and the associated dividends through your insurance representative in Shreveport, LA.
Compare Shreveport, LA 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