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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 Thousand Oaks, CA. 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 Thousand Oaks, CA.
Frequent Questions...
Variable life insurance is a type of permanent life insurance policy that allows the policyholder to choose how their premiums are invested. It is an excellent choice for individuals in Thousand Oaks, CA who want more control over their investments while still protecting their loved ones. With variable life insurance, policyholders can make changes to their investment portfolio annually to match their objectives and goals. Additionally, this type of policy offers flexibility, death benefit protection, and tax benefits all wrapped up in one convenient and highly customizable package.
With variable life insurance quotes in Thousand Oaks, how is the beneficiary impacted by investment performance?
Beneficiaries in Thousand Oaks are affected by the performance of their investments in different ways. Depending on whether investments are purchased with pre-tax or after-tax money, taxed differently, and when it is time to take distributions from the investments, different consequences apply. For example, if you hold non-retirement investments in Thousand Oaks, then their investment performance will affect your pay-as-you-go tax rate. Additionally, with retirement accounts, the investment performance affects how much money will be available for withdrawal during retirement.
With a variable life insurance policy Thousand Oaks, can I decide where my premiums are invested?
Yes, you can select where your premiums are invested with variable life insurance for a policy you might have in Thousand Oaks, CA. Your options could include allocating funds to stocks, bonds, mutual funds, and/or other types of investments. One of the advantages of variable life insurance policies, compared to some other life insurance products, is that your investment options may appreciate over time and allow you to participate in potential market gains. Additionally, in Thousand Oaks, moderately-priced variable life insurance policies may be obtained with a variety of insurance providers.
How often can I modify my investments in variable life insurance near Thousand Oaks?
Residents of Thousand Oaks, CA can change their investment choices with variable life insurance as often as they would like. The frequency of portfolio changes is dependent on the specific policy and the provider, so it's important to check the details of your policy before making any changes. In general, if you want to take advantage of the variable life insuranceโs potential for higher returns, then it's a good idea to review and adjust your investments periodically, as the market fluctuates.
Can I include riders in my variable life insurance quote Thousand Oaks?
Yes, you can add riders to a variable life insurance policy in Thousand Oaks, CA. Riders are extra features that can be added to your policy to customize your coverage. Some common riders provide additional death benefit, a guaranteed death benefit, waiver of premium, and accelerated death benefit. Speak with a qualified agent or broker in Thousand Oaks to discuss what riders are available and best for your situation. Riders can be a great way to improve the coverage of your variable life insurance policy and help you protect your loved ones in the event of unforeseen circumstances.
The death benefit of an investment may vary depending on the performance of the investment in Thousand Oaks, California. If the performance of the investment is positive, then the death benefit may increase; on the other hand, if the performance of the investment is negative, the death benefit may decrease. Depending on the investment and the strategy chosen by an individual investor, the death benefit may be fixed or may vary. It is important to speak with a financial advisor to understand the details and potential changes to the death benefit associated with the decisions you make with your investment account.
Do variable life insurance policies near Thousand Oaks provide guarantees on returns?
Variable life insurance, offered in Thousand Oaks, CA, can provide the opportunity to benefit from additional investment growth. While there are no guarantees on potential investment returns, policyholders do have the flexibility to adjust their policy's death benefit, premium payments, and investment mix as their needs change over time. This flexibility allows policyholders to tailor their policy to meet their needs, while providing potential tax-deferred growth within acceptable risk parameters.
Does all variable life insurance in Thousand Oaks offer the same investments?
No, not all variable life insurance policies offer the same investment options. In Thousand Oaks, CA, the investment options available will largely depend on the specific policy that is being provided by the insurer. Some insurers may offer more diverse and broad investment options, while others may be more limited. It is important to research and compare the various policies available in Thousand Oaks, CA to identify the policy that best suits the needs of the insured. Additionally, some policies may offer more flexibility with adjustments to the investments while other policies may limit such changes.
Can I use my Thousand Oaks variable life insurance policy for retirement savings?
Yes, variable life insurance can be used as a retirement savings vehicle in Thousand Oaks, CA. Variable life insurance policies allow policy owners to develop a retirement income through investing in mutual funds, bonds and stocks within a tax-deferred account. Moreover, the policy owner may have the option of borrowing from the policy's cash value and set-up a systematic withdrawal to supplement retirement income. It is important to note that variable life insurance policies are not FDIC insured, meaning they are subject to market fluctuations.
Does my Thousand Oaks variable life insurance company offer a grace period for premium payments?
Yes, there is a grace period for premium payments in variable life insurance in Thousand Oaks, CA. Generally, customers have 30 calendar days from the date their premium payment is due to make a payment without any change to the policy or its benefits. Depending on the policy, you may be able to make payments in smaller increments, up to the full due amount, over the grace period, without any penalty. It's important to note that in order to preserve the life insurance protection the premium should be paid at the end of the grace period.
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