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With PolicyHub you get to compare over 37 St. Augustine, 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.
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With PolicyHub getting started is easy. Compare all the Variable Life Insurance rates from all the providers in St. Augustine, 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 St. Augustine, FL.
Frequent Questions...
Variable life insurance premiums can vary in St. Augustine, FL depending on several factors, such as market performance of the policy's investment options and participant contributions. Premiums in variable life insurance policies are not guaranteed and may increase or decrease depending on the fluctuations in the underlying portfolio. A qualified and knowledgeable insurance agent or financial advisor can provide more information on the specific policy and how it will affect a premium in the St. Augustine, FL area.
Do variable life insurance quotes in St. Augustine come with a cash surrender value?
Variable life insurance policies, which are offered in St. Augustine, Florida, generally contain a cash surrender value, as determined by the issuing insurer. This cash value is typically generated through investment of the policy's premiums and by any dividends or other income earned. Depending on the policy, the cash surrender value may be available for withdrawal after a certain amount of time has passed but, in any case, it generally varies depending on performance of the policy's investments. Additionally, cash surrender values are subject to applicable taxes and/or surrender charges.
What are the tax aspects of a variable life insurance policy St. Augustine?
Variable life insurance policies in St. Augustine, FL are subject to taxation depending on the type and amount of benefits paid out, as well as applicable stateand federal-level taxes. In general, the death benefit from these policies is not considered taxable income, but the associated investment earnings are considered taxable and can be subject to adjusted gross income taxes. Additionally, if the policyholder withdraws any money from the policy or takes out a policy loan, that amount will be taxed as a withdrawal since it's considered an income redistribution.
How transparent is the investment performance of variable life insurance near St. Augustine?
Investment performance in variable life insurance is exceptionally transparent in St. Augustine, FL. Advisors provide clear and concise information and details about the investment into your policy, ensuring that all policyholders are well-informed of the potential and risks associated with their variable life insurance policies. Professionals in St. Augustine specialize in providing accurate and timely information to policyholders, giving them the utmost confidence in their investments. This transparency allows policyholders in St. Augustine to make the most informed decisions when it comes to their investments – ultimately allowing them to exceed their goals and objectives.
What happens if my variable life insurance quote St. Augustine underperforms?
If your chosen investments perform poorly, you may want to diversify and consider alternative investments suited to the St. Augustine area. Fortunately, St. Augustine presents a wide range of investment options including real estate, stocks, bonds, annuities, mutual funds, and more. A local financial advisor can help recommend suitable investments that better fit your budget, goals, and risk tolerance. Additionally, St. Augustine has access to expert resources such as the University of Florida’s Institute for Economic Competitiveness.
The limitations on funds transfers within the policy may vary depending on the county in which you reside. For example, in St. Augustine, FL, there are certain limits in place to ensure the safety of funds that are transferred. Generally speaking, transfer amounts are usually subjected to daily and/or weekly maximum limits, and may need to go through a third-party for verification. Additionally, funds may need to be held for a period of three days before the money is available in the receiving account. This three-day window helps to ensure that the funds are secured and safe from any potential fraudulent activity.
How does cash value growth influence death benefit with variable life insurance policies near St. Augustine?
In St. Augustine, Florida, the cash value growth in variable life insurance affects the death benefit in that the amount of death benefit available increases with the amount of funds in the policy. By increasing the cash value of the policy through investments, the death benefit can increase accordingly with no additional cost to the policy owner. Therefore, life insurance policies with variable cash value can provide St. Augustine residents with the opportunity to not only provide life protection but also to build a financial portfolio for beneficiaries should something happen to the policyholder.
Are management fees for variable life insurance in St. Augustine similar to mutual funds?
In St. Augustine, variable life insurance management fees are generally comparable to regular mutual funds. The premium cost of variable life insurance may be more than a traditional mutual fund, but the potential to earn dividends, capital gains, and other distribution benefits can counterbalance the cost in terms of providing a dependable retirement income. Furthermore, the death benefit conferred by variable life insurance is an additional financial benefit for the policyholder’s survivors, providing a security which regular mutual funds cannot provide.
Can I use my St. Augustine variable life insurance policy for retirement savings?
Yes, variable life insurance can be used as a retirement savings vehicle in St. Augustine, Florida. It is an attractive option, as it offers the ability to create an estate with potential tax advantages not available with other retirement savings vehicles. As a tax-deferred retirement option, it grows tax-free until retirement, when funds are made available free of federal income tax. It can be customized to fit your retirement objectives, providing flexibility throughout the life of the policy, while also providing a death benefit to your beneficiaries. Variable life insurance offers St.
Does my St. Augustine variable life insurance company offer a grace period for premium payments?
If you are a resident of St. Augustine, Florida, looking for information about a potential grace period for premium payments on variable life insurance policies, you may be able to find the specific details associated with such policies on your insurance provider's website. In addition, you could also contact your local insurance agent for more information on grace periods for premium payments on variable life insurance policies in St. Augustine. Alternatively, your insurer may be able to provide a phone number or email address to directly address questions related to grace periods on variable life insurance policies.
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