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With PolicyHub you get to compare over 37 Spanaway, WA 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 Spanaway, WA. 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
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Mark Sidway
Variable Life Insurance agent
Mark Sidway is a Variable Life Insurance agent licensed in your state.
Cale Reeves
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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 Spanaway, WA.
Frequent Questions...
Variable Life Insurance is a type of coverage that is issued in the state of Washington by an insurance company and offers both a death benefit and an investment component. This policy typically gives policyholders in Spanaway, WA the ability to allocate a portion of their premium payments towards different investment options, providing them with the potential to increase the death benefit and accumulate a cash value in the policy. Unlike other life insurance policies, the death benefit payout amount can fluctuate depending on the performance of the chosen investments.
Do variable life insurance quotes in Spanaway come with a cash surrender value?
Yes, variable life insurance can have a cash surrender value, but keep in mind that the value will vary depending on your policy and the Spanaway, WA insurance rules applicable to the policy. Generally this cash value will consist of the accumulated earnings in investment accounts associated with the policy, over and above the total premiums you have already paid. You can ask your local Spanaway, WA insurance provider for more clarification on the specifics of your policy and the cash surrender value it offers.
Can I withdraw or borrow from a variable life insurance policy Spanaway?
In Spanaway, WA you can likely withdraw or borrow from the cash value of your variable life insurance policy, however you should check with your insurer for specifics. While cash value is available to you with this type of policy, you should know that the amount will vary depending on your policy’s performance, contribution amount, and relevant interest rates. Your age and the policy’s surrender period will also factor into cash value availability and the amount of any potential loan.
Is there a death benefit guarantee with variable life insurance near Spanaway?
Variable life insurance products in Spanaway, WA do provide mortality benefits in the form of life insurance to abbreviate the financial burden for you or your loved ones in case of an untimely death. These can be customized to your individual needs through flexibility and variety of features offered by many providers in the area. With the amount of coverage wisely adjusted based on the unique characteristics of your family, you can have the assurance that a death benefit on your policy would be provided in case of a tragedy.
What are the surrender fees for a variable life insurance quote Spanaway?
The surrender charges for variable life insurance can vary based on the provider, the policy, and the location. In Spanaway, WA, contemplating surrender charges is an important part of obtaining the right kind of life insurance policy for your situation: surrender charges are the fees assessed should you decide to pull out of your policy before its maturity. If you should decide to surrender your policy in Spanaway, WA, speak to an experienced professional to get an estimate of the charges you may incur.
Variable life insurance in Spanaway, WA is great for policyholders who are interested in taking control of their own financial future. With access to various accounts, policyholders are able to choose their own investments to match their financial goals. Meanwhile, variable life insurance also offers a death benefit, allowing survivors to have a more financially secure future. Policyholders can also adjust their benefits and premiums throughout their policy cycles, adjusting their coverage based on changing needs and life circumstances.
Can I upgrade variable life insurance policies near Spanaway to another policy type?
Yes, you can upgrade your existing variable life insurance policy to another type of policy. In Spanaway, WA, you should consult a qualified, experienced insurance agent. They are knowledgeable and can help guide you through the process of selecting the best policy for your life insurance needs. Your agent can provide options available to you and assist in making the switch to another policy that is tailored to your needs. They will also handle the necessary paperwork to complete the upgrade.
Can I change investment options for variable life insurance in Spanaway without tax effects?
In the Spanaway, WA area, you may be able to switch between investment options without tax implications depending on your specific situation. For instance, if you are making investments in a traditional IRA account, you may be able to switch between various index funds, ETFs and mutual funds without incurring any taxes, as long as each switch is within the same account. Additionally, certain direct investments such as real estate and gold/silver may also be switched between without tax liability.
Can I use my Spanaway variable life insurance policy for retirement savings?
Variable life insurance can be a great retirement savings vehicle, especially for people living in Spanaway, WA who are hoping to save for retirement while still receiving tax advantages. With variable life insurance, your policy value can fluctuate depending on how the money is invested and the performance of the investments. Generally, you will have access to a variety of investment options which can help you create a retirement savings portfolio that reflects your individual needs. Variable life insurance also offers tax advantages that allow you to pay insurance premiums with pre-tax dollars which helps build your retirement savings faster.
Do I get dividends from my Spanaway variable life insurance company?
In Spanaway, WA, it is possible to receive dividends from investments within a variable life insurance policy. It is important to remember that the amount of dividends is not guaranteed and will depend on the performance of the underlying investments. Additionally, the IRS may tax dividend payments so it is important to understand the tax implications of using a variable life insurance policy as part of your financial plan. Generally, it is best to discuss your individual needs with a financial advisor to determine if using a variable life insurance policy is right for you.
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