Compare over 37 Variable Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 West Covina, CA 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 West Covina, 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.
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 West Covina, CA.
Frequent Questions...
Individuals in West Covina, CA who want a degree of flexibility and long-term financial protection for their family should consider purchasing variable life insurance. Such insurance offers the owner the opportunity to choose investments and alter their coverage limit depending on their financial objectives. Additionally, it provides tax-deferred growth which can significantly enhance the benefits to the policyholder. Variable life insurance also has the benefit of ensuring that the ownerβs family is provided for in the event of their passing.
Can I use my variable life insurance quotes in West Covina as collateral?
In West Covina, CA, you may be able to use variable life insurance as collateral for a loan. This type of loan is typically secured by cash, real estate, or stocks. Before proceeding, be sure to check with a financial advisor to determine if a variable life insurance loan is the right option for you. When accessing the value of the policy, it is important to consider the cash value, death benefit and any ongoing contributions to the policy. Additionally, some lenders may have additional requirements such as additional policies to help secure the loan.
With a variable life insurance policy West Covina, can I decide where my premiums are invested?
With variable life insurance, you can choose from an array of investment options available through West Covina life insurance providers. Options may include mutual funds, stocks, bonds, CD's and/or money market accounts. You are typically provided with the flexibility to manage your account and make changes to the investments, subject to certain limits set by each provider. You should consider all factors such as fees, longevity, past performance, risk, and rating when selecting the investment options that are best for you.
What fees are there with variable life insurance near West Covina?
Variable life insurance fees in West Covina, CA will depend on the specific policy you purchase. Generally, there may be an annual policy fee as well as a mortality and expense risk charge, an administrative fee, an annual service fee, and charges for additional riders. Some policies also impose surrender charges if the policy is cancelled early. It's important to thoroughly read the terms of the policy before purchase and discuss these fees with an insurance professional to make sure you have an understanding of the expenses associated with the variable life insurance policy.
What happens if my variable life insurance quote West Covina underperforms?
Investment outcomes can vary based on a wide variety of factors, some beyond your control. If your chosen investments in West Covina, CA perform poorly, there are steps you can take to improve your outcomes. Start by evaluating which of your investments are underperforming and why. Are there changes you can make to those investments, such as improving diversification or making more targeted choices? If your investment choice was likely poor to begin with, reaching out to a financial adviser in West Covina may help you identify investments better suited to your risk appetite and financial goals.
The death benefit of investing in West Covina, CA can fluctuate depending on the performance of the investment. Interest rates, fees, and the value of the underlying assets of the investment can all have an influence on the death benefit. By preparing for all scenarios, investors can increase their chances of achieving a larger death benefit. This can be achieved by diversifying their investments, sticking to a budget, and investing in reliable sources. Understanding the risks and rewards of investing is key to reaping the maximum benefit.
How flexible are premium payments for variable life insurance policies near West Covina?
Flexibility is a key benefit of variable life insurance in West Covina, CA. Policyholders can enjoy the flexibility of making premium payments in a number of ways. For example, payments can be made for any amount, at any frequency, and even for a period shorter than the usual annual or semiannual terms. Payments can be made online using debit/credit cards or through cheques or bank drafts. Additionally, policyholders can add additional funds to the policy at any time to increase the death benefit or to maintain the traditional cash values that the policy has accumulated.
How regularly should I check my variable life insurance in West Covina?
As a resident of West Covina, CA, your best approach when it comes to managing a variable life insurance policy is to review it regularly. Depending on your financial, and life circumstances, a review should take place at least once every two years. Having a financial planner or insurance agent in the West Covina area review the policy when necessary can also help you ensure that you are getting the most out of your policy and that it is still meeting your needs.
Is the cash value in my West Covina variable life insurance policy safe from creditors?
Yes, the cash value in variable life insurance is protected from creditors, even in West Covina, CA. While variable life insurance gives policyholders the ability to invest the cash value of their policy, it also offers the same creditor protection as traditional life insurance policies. This means that if a policyholder were to face bankruptcy or other financial challenges, the cash value of their policy would remain safe from creditors.
How do loans affect death benefits with my West Covina variable life insurance company?
In West Covina, CA, taking a policy loan against your variable life insurance policy will impact your death benefit, since any money borrowed from the policy as a loan will eventually be taken out of the death benefit. Any policy loans outstanding when the insured passes away are subtracted from the death benefit, so it's important to consider the potential loan limit before taking out a loan. If you'd like to learn more about policy loans from variable life insurance policies, there are dedicated advisors in the West Covina area who can provide you with information and help you make an informed decision.
Compare West Covina, CA 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