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With PolicyHub you get to compare over 37 West Des Moines, IA 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.
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With PolicyHub getting started is easy. Compare all the Variable Life Insurance rates from all the providers in West Des Moines, IA. 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 West Des Moines, IA.
Frequent Questions...
Variable life insurance is a type of permanent life insurance available in West Des Moines, IA, that offers the policyholder the flexibility to choose how, where, and when their insurance coverage is used. This type of policy also grows the policyholder’s cash surrender value over time based on the performance of some predetermined investments. With variable life insurance, policyholders are able to alter their premiums, death benefit and cash value within specific limits as they need. Furthermore, these policies typically offer more options in terms of the investments chosen than other types of life insurance.
With variable life insurance quotes in West Des Moines, how is the beneficiary impacted by investment performance?
Beneficiaries of investments in West Des Moines, IA can be greatly impacted by the performance of their investments. A successful investment can mean positive returns for a beneficiary, while an unsuccessful one results in potential losses. Good investment performance can provide the means for beneficiaries to make their savings last longer, allowing them to retire comfortably and live their desired lifestyle. Poor investment performance, on the other hand, can result in potential financial hardship and instability for the beneficiary.
What are the tax aspects of a variable life insurance policy West Des Moines?
In West Des Moines, IA, the tax implications of variable life insurance may vary from person to person, depending on their individual circumstances. Generally speaking, the cost of the variable life insurance premiums are not deductible, however cash values and withdrawals are generally tax free. Any policy loans and/or withdrawals taken during the life of the policy may have tax implications, as will the policy taxes that may apply upon the death of the insured. Additionally, the policy earnings may be considered tax deferred and potentially subject to federal and state income taxes.
How often can I modify my investments in variable life insurance near West Des Moines?
In West Des Moines, IA, you are able to change your investment choices with variable life insurance as often as you like; however, you must be mindful of certain restrictions or fees that may apply. Depending on the specific variable life insurance policy, you may be limited to quarterly or semiannual changes. During the policy's annual review, an updated list of investments available in the policy will be made available to you. Be sure to discuss the details of a variable life insurance policy with your insurer before committing, and any limitations regarding your ability to change investments.
What happens if my variable life insurance quote West Des Moines underperforms?
If your chosen investments perform poorly in West Des Moines, IA, you may not get the return on your investment that you had anticipated. However, it is important to remember that investments are subject to market fluctuations and are not guaranteed to produce consistent results. You can minimize your risk by researching the investments you are considering and understanding how they might be affected by changes in the market. Seeking financial guidance and professional advice can also be beneficial. Ultimately, when it comes to investing, it's best to be prepared for various outcomes.
In West Des Moines, Iowa, variable life insurance is an attractive option due to its adjustable death benefit and tax advantages. Premiums are used to build a "cash value" within the policy that can be borrowed against. The cash value can potentially build tax-deferred even when account values have decreased. Variable life policies provide the flexibility to change the amount of the death benefit throughout the life of the policy.
Do variable life insurance policies near West Des Moines provide guarantees on returns?
In West Des Moines, IA, variable life insurance policies typically do not provide any guarantees on investment returns. This type of insurance offers you the flexibility to make your own investment choices from a range of options within the insurance policy. Although there are no guarantees, many people in West Des Moines find that a variable life insurance policy can be an effective way to save for the future. The policy allows for flexible premiums and death benefit amounts, and there are certain tax advantages associated with this type of life insurance.
Can I change investment options for variable life insurance in West Des Moines without tax effects?
In West Des Moines, IA, yes, you are able to switch between investment options without any tax implications. As long as you reinvest the same amount of funds and don’t withdraw or add any capital, this won’t likely result in any taxes. It may be wise to speak with a reputable financial advisor in the area to ensure your choice is the right one for you and your financial situation.
Can I use my West Des Moines variable life insurance policy for retirement savings?
Yes, variable life insurance in West Des Moines, IA can be used as a retirement savings vehicle. Variable life insurance has the potential to add value to your portfolio by providing policyholders with the benefits of generous cash values and death benefits. Building cash values in your policy may help you save for retirement, as well as giving you access to cash value loans if you should ever need them. As with any form of retirement savings, it’s important to be certain that your policies are providing results that meet your goals and objectives.
Does my West Des Moines variable life insurance company offer a grace period for premium payments?
Yes, in West Des Moines, IA, there is a grace period for premium payments in variable life insurance. While the exact grace period may vary depending on your insurance provider, most insurance companies allow a grace period of up to 30 days after the premium is due before any cancelation or lapsing of the policy. Generally, these grace periods are intended to provide you with the ability to maintain coverage while providing time to make up any missed or late payments.
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