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With PolicyHub you get to compare over 37 Tacoma, 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 Tacoma, 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
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 Tacoma, WA.
Frequent Questions...
Variable life insurance is an insurance policy option tailor made for Tacoma, WA residents. It is a type of permanent life insurance policy that gives the policyholder the flexibility and control to make investment choices when it comes to where their premiums will be invested. This allows policyholders to invest in a wide range of funds that are commonly managed by professional asset managers. Variable life insurance policies offer a range of different benefits, including the potential for death benefit protection and cash value accumulation with tax deferral.
Do variable life insurance quotes in Tacoma come with a cash surrender value?
In Tacoma, WA, variable life insurance policies, like those available through many insurance providers, typically have a cash surrender value. Policyholders have the option to cash out their policy or borrow against the cash value at any time. The amount of money received from a cash surrender or loan will vary depending on the type of policy, as well as the premium payments, the cash value accumulation, and any applicable surcharges. Therefore, by purchasing a variable life insurance policy in Tacoma, WA, policyholders may be able to get back some of the money that they have invested in the policy over time.
What are the tax aspects of a variable life insurance policy Tacoma?
In Tacoma, WA, variable life insurance is subject to a federal estate tax, as well as potentially state-level and local-level income, property and estate taxes. Depending on an individual's situation, this could result in a substantial tax burden. It's important to consider the tax implications of variable life insurance before investing and consult an experienced tax professional for guidance.
Is there a death benefit guarantee with variable life insurance near Tacoma?
Yes, variable life insurance policies typically offer a guaranteed death benefit to help ensure your loved ones in Tacoma, WA are protected from financial strain in the event of your passing. Your beneficiaries receive a predetermined amount of money, regardless of how the investments in your policy perform. Generally, variable life policies also offer flexibility when it comes to investing part of your premiums in various different accounts such as stocks, bonds, and mutual funds, giving Tacoma policyholders the opportunity to help grow their death benefit funds for their family’s future.
Is there a minimum guaranteed return with a variable life insurance quote Tacoma?
Yes, variable life insurance does offer a minimum guaranteed return in Tacoma, WA. In this type of policy, the policyholder can bear their own investment risk and receive additional insurance benefits when the policy is used for death benefit needs. The minimum guarantee ensures that when the policy is used for death benefit needs, certain set returns will be received. A key benefit of this type of life insurance policy is that as the market changes, policyholders have the opportunity to benefit from positive returns. However, despite this minimum guarantee, they also bear the risk of any negative returns in the market.
In Tacoma, Washington, the death benefit associated with an investment performance varies depending on the policyholder's age at the time of death and the financial details of the policy. Generally, death benefits pertain to life insurance payouts and investments typically have fixed term contracts with investment performance dependent upon market fluctuations. If the policyholder dies before the term ends, the death benefit is typically paid out according to the terms of the policy.
How does cash value growth influence death benefit with variable life insurance policies near Tacoma?
In Tacoma, WA, cash value growth in variable life insurance plays an important role in determining the death benefit. The growth of the cash value influences the death benefit amount since the premium rate is based upon the risk the insurance company takes when issuing the policy. When the cash value grows, the premium rate is lowered, meaning the death benefit increases when the death of a policyholder occurs. Additionally, many variable life insurance policies provide the policyholder with the option to borrow the cash value for future living expenses.
Are management fees for variable life insurance in Tacoma similar to mutual funds?
Yes, the management fees associated with variable life insurance in Tacoma, WA are generally comparable to those associated with regular mutual funds. However, the exact cost of both types of investments varies greatly and is dependent upon a variety of factors such as the financial institution offering it, asset composition, and the portfolio strategy. As such, it is highly recommended to research each option thoroughly in order to determine which one is the most cost-effective choice for one's financial goals.
Is my Tacoma variable life insurance policy considered permanent life insurance?
Variable Life Insurance is an excellent type of permanent life insurance for Tacoma, WA residents. A Variable Life Insurance policy will offer lifelong protection and pays out a death benefit to the family of the insured if the insured passes away. It also has the added benefit of an investment account tied to the insured's policy, allowing them to grow their cash value. This investment account also offers tax advantages since all earnings on the investment in the policy are not subject to taxation until the cash value is withdrawn. Variable life insurance is a great choice for Tacoma residents looking to provide lifelong financial security and protection for their families.
What's the typical duration of terms with a Tacoma variable life insurance company?
In Tacoma, WA, a typical variable life insurance policy has a duration based on the needs of the policyholder. This could range from one to thirty years and can be renewed annually. Because variable life insurance policies are designed to meet individual needs, people in Tacoma can select the coverage duration that meets their expectations. Additionally, the benefit can be tailored to the specific needs of each policyholder. This includes compensating for any life changes, such as marriage, children, retirement, or a medical condition.
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