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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 Struthers, OH. 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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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
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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 Struthers, OH.
Frequent Questions...
Individuals who live in Struthers, OH who would like them and their family to be financially secure and have access to financial benefits should consider purchasing variable life insurance. Variable life insurance provides a death benefit to the policy holder's beneficiary (e.g. children, spouse, etc.) in the event of death and also can act as a source of savings. As taxes may be deferred, the policy holder can save for long-term goals and enjoy the advantages of owning a policy that offers potential growth value.
Are there early withdrawal penalties for variable life insurance quotes in Struthers?
There are potential penalties for early withdrawals from the cash value in Struthers, OH depending on the terms of your specific account. Generally, if the account has been open for fewer than five years, there may be a surrender charge plus an internal rate of return adjustment that will lower the effective yearly return both of which will reduce the accumulated cash value. Additionally, the account holder may have to pay taxes on some of the withdrawal amount. To make sure you are aware of any potential penalties, it's important to carefully review the terms and conditions of your account before making withdrawals.
Can I withdraw or borrow from a variable life insurance policy Struthers?
Yes, you can indeed withdraw or borrow from the cash value of your variable life insurance policy if you live in Struthers, OH. While every policy is different, you will likely need to comply with specific guidelines such as maintaining a specific amount of coverage in order to withdraw or borrow from the cash value. Your agent can help you review your policy documents and any applicable regulations or financial strategies you may need to take advantage of your variable life insurance policy's cash value.
Do I need to understand investments for variable life insurance near Struthers?
No, you do not need to be investment-savvy to purchase variable life insurance in Struthers, OH. However, it might be prudent to speak with a reputable insurance advisor prior to making a decision. You can reach out to local financial advisors in the city who specialize in variable life insurance and can provide you with guidance on best practices and answer any questions you may have about the product. They can help you decide when is the right time to buy, how much coverage you might need, and what the implications of a variable policy are, among other things.
How does a variable life insurance quote Struthers handle dividends?
In Struthers, Ohio, dividends from variable life insurance policies are typically either distributed to the policyholder as cash or used to purchase additional coverage for the policyholder; according to the owner's preference. The owner may also choose to have the dividends accumulate within the policy in what is known as a dividend accumulator account, which may earn additional dividend or interest on the policy. Dividends may also be used to pay for certain fees and expenses associated with the policy, such as the premium or a policy loan.
Yes, Struthers, OH has some limitations on fund transfers within the policy. Funds can be transferred electronically up to a daily limit of $6,000 and a total of $30,000 over any rolling 7-day period. All transfers must be from a checking or savings account, but not from a loan or credit card, and must be made from the account owner's native country of origin. Additionally, the payment must be made in the same currency as the originator's account. Transfers sent through financial institutions in the US are limited to $25,000 per day.
Can I direct specific investment strategies for variable life insurance policies near Struthers?
At Struthers Insurance, our policyholders can determine specific individual investment strategies that are both suitable and consistent with their objectives and risk tolerance to help maximize the growth potential of their cash value. We work closely with policyholders to help them understand their choices and the potential risks associated with them. Our Enrollment Advice team is available to assist in crafting individualized strategies to maximize cash value growth. We ensure that all the policyholder's investment activities stay in line with their goals and objectives.
Are management fees for variable life insurance in Struthers similar to mutual funds?
In Struthers, OH, variable life insurance management fees are comparable to those of regular mutual funds. In general, the cost of variable life insurance varies depending on the insurer, but in most cases, these fees are typically similar to those of mutual funds. It's important for people in Struthers to shop around for the best policy and provider to get the most value for the fees. Furthermore, consulting with a professional advisor who is experienced in life insurance can help inform the decision-making process.
How does my Struthers variable life insurance policy handle loan interest?
In Struthers, OH, policy loan interest on variable life insurance is treated as a burden on policyholders. Policy loans are borrowed from the policyβs cash values and these loans do not have set tenure, payment period, or fixed interest rate. Usually, policyholders have to pay back the loan with interest and it is recommended that policyholders avoid taking loans since such policy loans will reduce the cash value and death benefits of a life insurance policy.
Does my Struthers variable life insurance company offer a grace period for premium payments?
Yes, there is a grace period for premium payments in variable life insurance available in Struthers, OH. Depending on your policy and the carrier you purchase it from, you may be eligible for a grace period of up to 31 days to make payments without any late fees or lapse in coverage. Be sure to contact your insurance carrier for exact details regarding grace period terms. Additionally, there may be other payment option availabilities that could help you manage your premiums.
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