Compare over 37 Variable Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Smyrna, TN 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 Smyrna, TN. 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 Smyrna, TN.
Frequent Questions...
Variable life insurance premiums in Smyrna, TN can vary depending on many factors, such as investment performance, amount of coverage, your age, and health. Your premium payments, once you’ve been approved for coverage, can remain the same or fluctuate depending on the growth of your investments and the adjustments you make to your policy. The general rule of thumb is that when the investments do well, you will pay less in premiums, and when the investments don’t do well, you will typically pay more.
Are there early withdrawal penalties for variable life insurance quotes in Smyrna?
Yes, if you withdraw money from your cash value before it accrues interest in Smyrna, TN, you are subject to surrender charges and lost tax benefits. For example, any amount withdrawn during the first seven years has the potential to incur surrender charges that could reduce the cash value balance substantially. Additionally, withdrawals taken prior to the age of 59 ½ may be subject to income tax, as well as an IRS penalty of 10%. It’s important to review the terms and conditions provided by your insurance company or financial advisor.
What are the tax aspects of a variable life insurance policy Smyrna?
The tax implications of variable life insurance vary depending on where you live. For example, if you are a resident of Smyrna, Tennessee, you may be eligible for several tax benefits. Specifically, state taxation of premiums for life insurance is excluded by income tax in the State of Tennessee, and life insurance benefits may also be excluded from income taxation. In addition, life insurance policies may qualify for a separate deferral of income taxation for death benefit proceeds, which may be more advantageous than taxation at the time of the premium contribution.
What fees are there with variable life insurance near Smyrna?
In Smyrna, TN, the fees associated with variable life insurance can vary based on the type of policy you choose. Generally, these fees include the cost of policy fees, administrative/management fees, and investment-related fees. Policy fees are charged each policy year and are often a percentage of the overall policy cost. Administrative/management fees cover the costs of providing the coverage and the expenses of administering the policy.
What are the surrender fees for a variable life insurance quote Smyrna?
In Smyrna, TN, the surrender charges for variable life insurance will vary depending on the policies and plans of the provider. Generally, these charges can range from 8 to 15 percent of the policy's cash value once the policyholder has discontinued with the policy. The rate of the charge is dependent on several factors, including the length of the policy term, the status of the policy, and the age of the policyholder. Additionally, for those who acquire a new policy, the surrender charges may not take effect until a predetermined time has passed.
Yes, there are limitations on fund transfers within the policy for residents of Smyrna, TN. These limitations may involve limits on the amount and frequency of transfers. Additionally, fund transfers may have to be in compliance with state and federal laws. For further information or clarification on specific limitations, customers must contact their local banking branch or customer service department.
Can I upgrade variable life insurance policies near Smyrna to another policy type?
If you live in Smyrna, TN, you can upgrade your variable life insurance policy to another type of policy. With the help of local insurance agents in Smyrna, TN, you can learn more about your options to help find the policy that best fits you and your family's needs. Depending on your situation, you may be able to switch or upgrade your current variable life insurance policy to another type such as term life insurance or whole life insurance.
Does all variable life insurance in Smyrna offer the same investments?
No, variable life insurance policies do not all offer the same investment options. In Smyrna, TN there are several different policies that offer a range of different options. For example, some policies provide access to stable and growth funds that carry risk and reward with them while other policies offer more options with mutual funds or even professionally managed accounts. Depending on your investment goals, it is possible to find a policy in Smyrna, TN that meets your needs when it comes to variable life insurance.
Can I use my Smyrna variable life insurance policy for retirement savings?
Variable life insurance can indeed be used as a retirement savings vehicle in Smyrna, TN. Cash value life insurance policies, such as variable life insurance, can accumulate cash value over time and provide access to the monies accumulated via policy loans. This loan feature makes variable life insurance unique and attractive to those in Smyrna, TN who are planning for retirement. Additionally, if the insured party dies during the accumulation phase, the death benefit obtained from the policy can help supplement or replace retirement income for the beneficiary.
Does my Smyrna variable life insurance company offer a grace period for premium payments?
Yes, in Smyrna, TN there is an available grace period for premium payments in variable life insurance. With most insurance providers, policyholders are typically given 15 days after their premium payment due date to make their payment before the insurance company declares the policy lapsed. Each policy and insurance company can have specific grace period requirements unique to them, and policyholders should properly review the policy provisions and consult an insurance professional prior to making any premium payments.
Compare Smyrna, TN 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