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With PolicyHub you get to compare over 37 South Bradenton, 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 South Bradenton, 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.
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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 South Bradenton, FL.
Frequent Questions...
Anyone in South Bradenton, FL looking for a financial product that provides flexibility and long-term coverage could benefit from purchasing variable life insurance. Variable life insurance offers a variety of benefits, such as the ability to create a personalized portfolio, variable death benefit, and living benefits that can provide cash value growth. In addition, it offers policyholders the ability to transfer funds from one policy to another, creating wider customization options. Variable life insurance is a great choice for those wanting to leave a long-term legacy or provide for their financial needs while taking advantage of the benefits that insurance provides.
Do variable life insurance quotes in South Bradenton come with a cash surrender value?
Yes, variable life insurance does have a cash surrender value in South Bradenton, FL. Generally, this value is equal to the least of the policy’s cash value, the death benefit or the sum of the premiums paid minus any load. It is important to note, however, that surrendering a policy may result in unsatisfactory economic gains due to the high surrender charges, insurance costs, and other expenses that will reduce the amount of value you can obtain. Additionally, the cash surrender value may also be influenced by the current stock market performance which can increase or decrease the value.
How does the cash value work for a variable life insurance policy South Bradenton?
In South Bradenton, FL, the cash value component of variable life insurance works by increasing the face value of your policy over time. This cash value may be used in different ways, such as taking loans and/or withdrawals which can be tax free or taxed depending on your needs. You can also use the cash value to reduce the premiums you pay or to supplement your retirement income. The cash value grows over time with the help of investment options, including stock portfolios and bonds.
Is there a death benefit guarantee with variable life insurance near South Bradenton?
Yes, most variable life insurance policies have a guaranteed death benefit for policyholders in South Bradenton, FL. This means that the beneficiary of the policyholder will receive a minimum amount of money regardless of the financial performance of the underlying investments in a variable life insurance product. Although certain conditions (such as surrendering the policy early) may reduce the death benefit, those purchasing variable life insurance in South Bradenton, FL can rest assured that their beneficiary will always receive a guaranteed death benefit should the policyholder unexpectedly pass away.
What are the surrender fees for a variable life insurance quote South Bradenton?
In South Bradenton, FL the surrender charges for variable life insurance will depend on the particular life insurance policy. Typically, surrender charges are in-place for variable life insurance policies that are either surrendered or cashed out prior to a predetermined age or date. There are often also surrender charges if the policyholder exceeds a certain number of withdrawals or transfers during a given year. It is important for policyholders to understand the surrender charge details of their individual policy and to contact their life insurance company directly with any questions about the potential charges.
Yes, though the specific age restriction is determined by the insurer and could vary, in South Bradenton, FL, individuals can purchase a variable life insurance policy as long as they are over the age of 18 and younger than the maximum age accepted by the insurer. In addition, if the individual applying for the policy is under 18, they typically must be accompanied by an adult when seeking coverage.
How flexible are premium payments for variable life insurance policies near South Bradenton?
Flexibility of premium payments in variable life insurance may vary depending on the insurance carrier and the location. In South Bradenton, FL, most insurance carriers offer several payment options, such as setting up recurring payments on a regular basis, such as monthly or quarterly, or making lump sum payments. Many also also offer the option to pay premiums online. It's important to remember that variable life insurance offers the flexibility to increase, decrease, or suspend premiums, so you can adjust your policy on an as-needed basis.
Does all variable life insurance in South Bradenton offer the same investments?
No, not all variable life insurance policies offer the same investment options. Depending on the carrier, the location of the policy being issued, and a variety of other factors, the available investment options can vary. In South Bradenton, FL, you may have access to a wider range of investment products than other areas, depending on the insurance provider. It's always a good idea to shop around and compare the available ways you can protect and grow your assets. When considering variable life insurance policies, always remember to read the fine print and ask questions so you can make the best decision for your needs.
Is my South Bradenton variable life insurance policy considered permanent life insurance?
Variable life insurance is a type of permanent life insurance that is popular among residents of South Bradenton, FL. Variable life insurance not only offers death benefit protection that remains in force throughout the life of the policy, but also allows policyholders to invest a portion of their premiums in a variety of securities. This can offer policyholders the potential for greater returns on their Insurance than that provided by traditional life insurance policies. Furthermore, variable life insurance policies can be purchased with a variety of riders and flexible premiums to provide enhanced coverage at a lower cost.
How do loans affect death benefits with my South Bradenton variable life insurance company?
Policy loans taken from variable life insurance policies in South Bradenton, FL can reduce or even eliminate the death benefit due to interest accruing on the loan balance and reducing the policy’s cash value. Interest rates on these policy loans may be higher than available rates on loans from other financial institutions and it is important to understand that the death benefit will be affected which could have an adverse effect for the surviving beneficiaries in the event of the policyholder's death. Always consult a financial professional before taking out a loan as the policyholder could end up paying more in interest than receiving in death benefits.
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