Taking too long? Close loading screen.
Compare over 37 Variable Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 St. Matthews, KY 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 St. Matthews, KY. 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 St. Matthews, KY.
Frequent Questions...
Variable life insurance is a type of insurance policy available in St. Matthews, KY that provides a permanent death benefit, with the potential for cash value to accumulate over time. Unlike term life insurance policies, which only have face value, variable life policies also contain a savings portion. The policyholder may elect to have some of their premium payments diverted into an investment account. This allows the policyholder to invest for their future in a flexible, tax-advantaged account.
Can I use my variable life insurance quotes in St. Matthews as collateral?
Residents of St. Matthews, KY should be aware that – while variable life insurance can sometimes be used as collateral for a loan – it is not typically advisable. Extra care should be taken when using life insurance rather than other traditional assets as collateral due to the risk associated with investing and the potential policy surrender charges. Therefore, it is important to consider potential drawbacks and risks as well as all available options of collateralizing a loan prior to making a decision.
With a variable life insurance policy St. Matthews, can I decide where my premiums are invested?
Yes, with variable life insurance offered in St. Matthews, KY, you are able to select how your premiums are invested. There are a variety of options to choose from including stocks, bonds, mutual funds, and more. Your choices reflect your individual risk tolerance, goals, and timeline. We recommend you consult with a trusted finance advisor to ensure your selections align with your financial objectives. In St. Matthews, KY, we offer tailored solutions to meet your unique needs. Our team of experts is ready to help you make sound investment decisions for your future.
Is there a death benefit guarantee with variable life insurance near St. Matthews?
Yes, there is a guaranteed death benefit available with variable life insurance in St. Matthews, KY. This type of life insurance policy allows you to access a guarantee of death benefit protection and create cash value within a single policy. Variable life insurance also comes with additional benefits such as tax-deferred growth, control over how your money is invested, and more. You are able to personalize your policy to fit your individual goals and needs, and can take advantage of the solid financial protection this form of life insurance provides.
Can I include riders in my variable life insurance quote St. Matthews?
Yes, you can add riders to your variable life insurance policy in the St. Matthews, KY area! At our agency, we offer several riders to help customize your policy and give you even more protection. For example, a critical illness rider can provide a lump sum to you if you are diagnosed with a critical illness and a long-term care rider can help cover your costs for in-home care, assisted living, or nursing home care. We can provide you with personalized quotes and make sure you have the protection you need for peace of mind reach out today for more information!
Variable life insurance is a great option for short-term coverage needs in St. Matthews, KY because of its customizable options and competitive premiums. Flexible premiums, death benefits, and account values mean you can tailor the policy to your particular financial situation and benefit goals. In addition, since these policies are separate from other investments, you know your money will be put directly towards your coverage. With short-term policies available, variable life insurance could be a great option for your insurance needs in St. Matthews, KY.
How flexible are premium payments for variable life insurance policies near St. Matthews?
At St. Matthews, KY, the premium payments for variable life insurance are completely flexible. Depending on your needs and budget, you can make one-time payments in lump sums, regular payments over time, or choose to combine both. Your payments also won't be limited by amounts or frequencies, allowing you to adjust them to fit your changing budget. All of these options can be tailored to meet your specific requirements, ensuring you receive a plan that's just right for you.
Can I change investment options for variable life insurance in St. Matthews without tax effects?
Yes, you can switch between investment options without tax implications in St. Matthews, KY, provided you are working with a professional financial advisor. Your advisor can inform you of the options that best suit your needs and objectives while ensuring the switch is done legally and without triggering taxes. You should also consult a financial adviser to understand any potential fees associated with switching investment options. This way, you can be sure to make the best decision for your finances.
Is the cash value in my St. Matthews variable life insurance policy safe from creditors?
In St. Matthews, KY, the cash value of variable life insurance policies is encumbered by a creditor exemption when it comes to avoiding private creditors, as defined by the state. The creditor exemption protects the cash value, as long as the individual remains in compliance with policy terms and conditions. In the case of a court judgment, the court may be able to seize the cash value, however, as with any creditor exemption, specific laws and regulations may vary from state to state. It's important to consult with a financial advisor before making any decisions regarding your variable life insurance policy.
What's the typical duration of terms with a St. Matthews variable life insurance company?
Generally speaking, the typical duration of a variable life insurance policy is determined by the insurer, the policyholder, and often the conditions of the policy itself. However, in St. Matthews, KY, policyholders tend to hold variable life insurance policies for anywhere from 5 to 30 years, depending on the desired purpose for the coverage. The greatest flexibility in coverage tends to be found in policies with a longer-term duration, as these allow more customization and potential growth of funds over the life of the policy.
Compare St. Matthews, KY 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
