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With PolicyHub you get to compare over 37 Westerville, OH 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 Westerville, OH. 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 Westerville, OH.
Frequent Questions...
Westerville residents who are seeking financial protection for their family or business in the event of their passing should consider investing in variable life insurance. This type of policy provides permanent life insurance coverage and also allows you to invest a portion of your premiums into carefully chosen investment options. Variable life insurance allows you to contribute to your retirement and gain long-term financial coverage as this policy grows and allows you to borrow from the accruing cash value. Variable life insurance can provide Westerville residents with peace of mind and financial security for the future.
With variable life insurance quotes in Westerville, how is the beneficiary impacted by investment performance?
In Westerville, OH, the beneficiaries of an investment performance are typically ones who hold a steady financial stake: those who have a long-term goal in mind such as retirement. Investing with profit potential therefore provides these beneficiaries with greater security for the future and increased financial stability for day to day living. The benefit of an investment performance reflects not only in monetary gain, but in peace of mind as well.
How does the cash value work for a variable life insurance policy Westerville?
Variable life insurance policies in Westerville, OH offer a cash value component that allows policyholders to draw on funds in the cash value account linked to their policy. This account accumulates several sources of money, such as premiums and interest, and gains tax advantages over time. Since the cash value is a separate component, you won't jeopardize your death benefit or affect the premiums you pay by making withdrawals. Excess interest from the cash value account can compensate for the amount of the funds taken out for living expenses, so that your death benefit can remain the same over the course of your policy.
How transparent is the investment performance of variable life insurance near Westerville?
In Westerville, OH, our variable life insurance investment performance is highly transparent. We provide detailed reports and data to all of our policyholders to ensure complete visibility into investment performance and activity. Statements are available electronically and in paper form, and our website is regularly updated with the latest information about our investments. We invite customers to ask questions and seek financial advice so everyone can be comfortable with their decisions.
What are the surrender fees for a variable life insurance quote Westerville?
The surrender charges for variable life insurance depend on the policy and specific circumstances in Westerville, OH. Generally, any partial withdrawals from the cash value account of a variable life insurance policy within the first five years will be subject to surrender charges. However, there are some policies with surrender penalties beyond five years. Furthermore, the specific amount and duration of the penalty charges will depend on the age of the policyholder and typically dissipate over time, typically ranging from 5% to up to 25% of the withdrawal amount.
Variable life insurance can be a suitable option to fulfill short-term coverage needs in Westerville, OH if those needs are to provide financial protection to cover costs during an illness, disability, premature death, or other financial needs. Variable life insurance can provide a way to accumulate financial resources to help with needs such as those stated above, along with protecting alternative investments. Variable life insurance also offers a variety of funds to choose from, and through the life of the policy, people in Westerville, OH may decide to increase or decrease their benefit in order to keep both their current and future financial needs protected.
Can I upgrade variable life insurance policies near Westerville to another policy type?
Yes, you can upgrade your variable life insurance to another type of policy; here in Westerville, OH, there is a wide range of life insurance policies to choose from. Whether you are interested in term life, whole life, or universal life insurance, you can easily find a policy that meets your needs and budget. Your local Westerville insurance company is available to discuss the different types of policies so you can make an informed decision about which type of coverage best fits your lifestyle.
Does all variable life insurance in Westerville offer the same investments?
No, not all variable life insurance policies offer the same investment options. In Westerville, OH, the investment options available through variable life insurance policies may vary depending on the carrier and the specific policy. Common investments available through variable policies in Westerville, OH, may include stocks, bonds, mutual funds, and possibly alternative investments like hedge funds, real estate, and commodities. Be sure to compare the investment options available when selecting the best variable life insurance policy for your needs.
How liquid is the cash value of my Westerville variable life insurance policy?
The cash value of a variable life insurance policy can vary by policy and insurer, but will usually depend on the current market performance. For Westerville, Ohio residents, this means that the cash value is kept in stocks and bonds according to the performance of the markets. Because of this, the cash value of a variable life insurance policy is considered liquid since the values tend to fluctuate on a daily basis. Thus, the cash value in a variable life insurance policy offered to Westerville residents is usually considered an accessible asset.
Does my Westerville variable life insurance company offer a grace period for premium payments?
Yes, there is a grace period for premium payments in variable life insurance for Westerville, OH residents. Westerville Life Insurance will allow policyholders 14 days after the due date to make their premium payments with no additional fees or interest applied. However, if payment is not received within 14 days past the due date, penalties and interest may be charged, thereby increasing the premium amount due. To avoid penalties, be sure to pay premiums on time or contact a Westerville Life Insurance representative if a delay is anticipated.
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