Compare over 37 Variable Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Union City, TN 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 Union City, TN. 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 Union City, TN.
Frequent Questions...
Variable life insurance in Union City, TN is a type of life insurance policy that allows policyholders to select their own investments to meet their specific needs. Unlike other types of life insurance, variable life insurance permits policyholders to invest in different types of accounts, such as stocks, bonds, and mutual funds, creating a virtually limitless array of investment options. Additionally, policyholders have the flexibility to adjust their investments as their financial objectives evolve over time. In addition, with variable life insurance, policyholders do not have to worry about their policy lapse date.
With variable life insurance quotes in Union City, how is the beneficiary impacted by investment performance?
The beneficiary of an investment's performance in Union City, TN is largely determined by the type of investment and the success of that investment. For example, if the beneficiary invests in a business, they might receive dividends or see a rise in their equity. Conversely, if they invest in a fixed income product, like a bond, their return may be less than the initial principal. Ultimately, the beneficiary's financial state can be significantly affected by the performance of their investment, depending on the type and success rate of the investment.
With a variable life insurance policy Union City, can I decide where my premiums are invested?
Yes, with variable life insurance, you can choose where your premiums are invested in Union City, TN. An important element of this type of coverage is that you can customize your investments based on your particular needs and financial goals. The Union City, TN branch of your life insurance provider should be able to provide you with more detailed information and assistance in selecting the investments that are right for you. In addition, they can provide you with helpful advice and guidance on their investment strategies.
Do I need to understand investments for variable life insurance near Union City?
No, you don't need to be investment-savvy to purchase variable life insurance in Union City, TN. Variable life insurance is a type of policy designed to provide a death benefit, and may include a savings element to help accumulate a cash value. It allows policyholders the opportunity to select from a variety of investment options such as stocks, bonds, mutual funds, or other approved investments. An experienced Union City, TN-based insurance professional can help guide you through the process of selecting the best types of investments for your specific needs and goals.
How does a variable life insurance quote Union City handle dividends?
In Union City, TN, the dividends earned from variable life insurance are typically credited directly to the policyholder’s cash value, which helps to pay for the insurance coverage or add to the account balances. The policyholder can also choose to use the dividends to buy additional death benefit coverage or to reduce their annual payments. Dividends can also be used to purchase additional investments or to release policy loans as well. In any case, the policyholder is in complete control over how the dividends are treated.
Variable life insurance may be an appropriate option for those with short-term coverage needs in Union City, TN, especially if they are looking for an insurance policy with potential for long-term growth. Variable life insurance is designed to invest part of the premiums in separate investment accounts which can offer the policyholder more control over their coverage investment. This type of policy can also provide the option of taking out policy loans or withdrawals.
Do variable life insurance policies near Union City provide guarantees on returns?
Variable life insurance provides policyholders in Union City, TN with flexible death benefits to help cover their financial needs. However, it should be noted that these policies do not guarantee a set rate of return on investment, and should be seen as an investment with upside potential but also potential downside risk. That having been said, the death benefit from a well-managed variable life insurance policy can be useful for providing financial security to your loved ones in the event of an untimely death.
How regularly should I check my variable life insurance in Union City?
It is recommended to review your Union City, TN variable life insurance policy at least once a year. This will allow you to address any changes that necessitate a different level of coverage or premium that is more appropriate for your current needs. Also, it's important to make sure that you are making the most of the policy's benefits, as the pricing structure can often change. Additionally, it is good practice to keep abreast of legislative changes that may significantly affect your policy. Taking the time to review your policy annually can help make sure that your variable life insurance policy continues to meet your needs.
How liquid is the cash value of my Union City variable life insurance policy?
The liquidity of a Union City, TN variable life insurance policy's cash value depends on numerous factors. These include the product features of the policy itself, the amount of cash value accumulated, the current economic environment, and the individual insurance company's financial strength. Many variable life insurance policies are structured so that policyholders can access their cash value through a loan or withdrawal. Loan transactions are typically easier to establish and can be more beneficial from a tax perspective, while a withdrawal is typically more difficult to gain access to and will usually be subject to taxes if certain limits are exceeded.
Can I convert from term life insurance with a Union City variable life insurance company?
In Union City, TN you may be able to convert your term life insurance to variable life insurance depending on the terms and conditions of your current policy. Generally, term policies do not have any cash value, so the converting option may not always be available. However, it never hurts to reach out to the provider to find out what options are available to you. Many companies offer conversion privileges, which give you the opportunity to change your term life policy to a permanent life insurance policy.
Compare Union City, TN 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