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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 Waukesha, WI. 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 Waukesha, WI.
Frequent Questions...
Variable life insurance premiums for Waukesha, WI, are not fixed, they are based on the policyholder's selected investments. These investments can change in value in the stock or mutual fund market, thereby impacting the total premium. This type of policy allows policyholders to choose the risk level and potential reward they are comfortable with, and is beneficial for those interested in managing their own investment decisions. However, the policyholder should be aware that the premium payments are not guaranteed, and that the total premium amount can fluctuate depending on the performance of the investments that are chosen in the policy.
Do variable life insurance quotes in Waukesha come with a cash surrender value?
Yes, variable life insurance does have a cash surrender value for those living in Waukesha, WI. The cash value of your policy is actually based on the performance of the underlying investment funds, and often can be sold through an annuity. Additionally, after 10 or more years of owning a policy, you will receive a portion of the accrued cash value back as a return of your premiums. It's important to remember that the cash value of a variable life insurance policy is not guaranteed, and you could receive less than the initial cost of the policy if you cash out in the future.
How does the cash value work for a variable life insurance policy Waukesha?
Variable life insurance operates similarly to other life insurance policies in that it provides a death benefit payout to the named beneficiary should the insured individual pass away. However, the policy also establishes a cash value component which is unique to this type of insurance. In Waukesha, WI, the cash value of a variable life insurance policy is established by how much the insured individual has contributed to the policy and how much the policy has accumulated in interest or investment returns. The cash value can then be accessed via tax-free distributions or policy loans while the policy remains in force.
What fees are there with variable life insurance near Waukesha?
The fees associated with variable life insurance policies can vary from provider to provider in Waukesha, WI. Depending on your provider, you may be subject to premiums, administrative fees, mortality and expense risk charges. Other fees include charges for death benefits, rider fees, charges for additional insurance benefits, and other policy expenses. It's important to research or consult with a financial advisor to better understand the fee structures associated with variable life insurance policies and to assess which policy makes the most sense for your financial situation.
Is there a minimum guaranteed return with a variable life insurance quote Waukesha?
Variable life insurance offers no guarantee of return on your investment in Waukesha, WI. Rather, the returns are based on the performance of a certain portfolio and typically include stocks, bonds, and other securities. On the other hand, variable life insurance does usually offer a death benefit that is at least equal to the premiums you have paid, and in some situations, it may provide coverage that exceeds the premiums you have paid in the form of a cash value.
Variable life insurance may be suitable for short-term coverage needs depending on the individual circumstances in Waukesha, WI. For instance, if the policyholder is looking for a high amount of coverage in a shorter period, variable life insurance may be the answer. Additionally, this type of policy has more flexibility since the policyholder can adjust the length and amount of coverage if their needs change. As such, if the policyholder in Waukesha only needs short-term protection for a specific goal, such as college expenses, variable life insurance might be a good option.
Can I direct specific investment strategies for variable life insurance policies near Waukesha?
Yes, the policyholder in Waukesha, WI is allowed to dictate their own investment strategies for the cash value. Depending on the insurance policy, the policyholder may have access to a variety of investment management plans and products, which they can select from to build a portfolio that best meets their individual financial goals. Some products might include fixed-rate assets, ranging from annuities or bonds to stocks and mutual funds. For those who are not comfortable managing their own investments, they can also choose to rely on a professional investment advisor to select and manage their funds.
How regularly should I check my variable life insurance in Waukesha?
It's important to review your variable life insurance policy periodically to ensure that it meets your financial objectives and that your coverage remains adequate. Given the unique financial environment in Waukesha, WI, it's especially important that you review your policy periodically, at least annually or when any relevant changes to your financial situation occur. Working with your local insurance agent in Waukesha, WI can help you to understand the significant financial implications your policy may have and how it may need to be modified to ensure your financial objectives are met.
Is my Waukesha variable life insurance policy considered permanent life insurance?
Variable Life Insurance is a type of permanent life insurance available to Waukesha, WI residents. This policy is different from other permanent life insurance options in that it acts like an investment in addition to providing death benefit coverage. By allocating premiums across various investment options within the account, policyholders are able to choose and customize investments that align with their individual objectives. With Variable Life Insurance, Waukesha, WI policyholders can strategically balance the amount of death benefit coverage they want with potential cash value.
Do I get dividends from my Waukesha variable life insurance company?
In Waukesha, WI, it is possible to receive dividends from investments within your variable life insurance depending on the policy. As with most investments, dividends can depend on the performance of the underlying assets, such as stocks, bonds, or mutual funds, and the terms of the policy, as determined by the provider. Additionally, some policies may also offer special dividend payout options, such as an accumulation provision or cash value, that you may wish to consider when setting up your account.
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