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With PolicyHub you get to compare over 37 Statesville, NC 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 Statesville, NC. 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
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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 Statesville, NC.
Frequent Questions...
Variable life insurance is a type of permanent life insurance policy that gives policyholders in Statesville, NC the potential for greater cash value growth and flexibility. With variable life insurance, policyholders in Statesville, NC can allocate their account values among different investment options that may have different levels of risk and potential reward. Instead of a fixed rate of return as found in other types of insurance policies, the performance of a variable life insurance policy's cash value depends largely on the performance of the underlying investments.
Do variable life insurance quotes in Statesville come with a cash surrender value?
Yes, variable life insurance policies do have cash surrender values in Statesville, NC. Generally, policyholders may receive a cash surrender value that is equal to the total amount of premiums paid, minus any loan amounts and accumulated fees or charges due. Some policies may also provide tax-free loans that can be withdrawn in case of an emergency, such as unexpected bills or health care costs. Depending on the policy, additional benefits may also be available, such as living benefits, accelerated death benefits, or lifetime protection.
What potential risks are there with a variable life insurance policy Statesville?
Variable life insurance policies in Statesville, NC can carry a degree of risk, as the policyholder has the ability to invest in a variety of mutual funds or stocks. If the investment does not perform well, the policyholder could end up losing a portion or all of their investment. Additionally, variable life insurance policies may have more complex terms and fees than other types of life insurance policies, so the policyholder should have a full understanding of the policy and its investments in order to minimize risk.
Is there a death benefit guarantee with variable life insurance near Statesville?
Yes, a guaranteed death benefit does come with variable life insurance in Statesville, NC. In case of death during the term of the policy, beneficiaries of the policy are entitled to receive the death benefit as it is a basic element of variable life insurance. Likewise, the default preference in Statesville is that the death benefit is distributed in a lump sum and can provide a safeguard to families by providing financial stability in such a difficult time. It is important to always read the provisions and speak with an experienced agent about your unique situation to ensure that you understand the exact terms of the policy.
How does a variable life insurance quote Statesville handle dividends?
In Statesville, NC, dividends paid out from a variable life insurance policy are treated differently than in other forms of life insurance. Generally speaking, these dividends increase the cash value of the policy and can also be withdrawn or used to purchase additional coverage. Dividends can also be used to reduce the premium or the amount of death benefit. Ultimately, the responsibility for how the dividends are treated lies in the hands of the policy owner.
Fund transfer limits may apply in Statesville, NC based on existing policies. Federal laws and State regulations may impose maximum amounts for certain transfers, such as sending or spending money from within the U.S. Additionally, there could be imposed limits associated with the type of transfer and where it is coming from/going to. Consumers who wish to send or receive funds should always check with their bank or financial institution to understand the applicable transfer limits.
Do variable life insurance policies near Statesville provide guarantees on returns?
Variable life insurance in Statesville, NC offers potential policyholders the opportunity to invest in a variety of separate accounts that can provide guarantees on returns. Typically, these guarantees come in the form of fixed interest rates or fixed increments on each dollar amount that is invested. The guarantee helps to potentially limit losses, but policyholders should be aware of the risks involved in any investment, as there is the potential to earn more or less than the guaranteed return.
Does all variable life insurance in Statesville offer the same investments?
No, not all variable life insurance policies offer the same investment options. Factors such as the company offering the policy, the policyβs terms and conditions, and the local market in Statesville, NC can all influence the available investment options. Depending on the provider, certain policies may offer access to specific mutual funds, stocks, bonds, Treasury instruments, and other types of investments, whereas others may not. Additionally, some insurance companies in Statesville, NC may provide a range of customized, long-term investment and estate planning solutions not available everywhere.
Is the cash value in my Statesville variable life insurance policy safe from creditors?
In Statesville, NC, the cash value of a variable life insurance policy is typically protected from creditors. Variations in the laws governing creditor protection vary state-by-state. NC follows the Uniform Bankruptcy Acts, where the cash value of a life insurance policy cannot be collected by creditors. This means that the amount of coverage you have on the cash value of your policy, regardless of its type, is safe from creditors in Statesville, NC.
Can I convert from term life insurance with a Statesville variable life insurance company?
Yes, in Statesville, NC you can convert a term life insurance policy to a variable life insurance policy. It may be beneficial to consider this switch, as variable life insurance is permanent insurance with an added built-in investment component, allowing the customer to choose potential investment options. Additionally, with a variable life policy, policyholders have the ability to make changes to their policy over time, such as converting death benefit cash values to a tax-free source of income.
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