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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 Weston, 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 Weston, WI.
Frequent Questions...
Residents of Weston, WI should consider purchasing variable life insurance if they are looking for a policy that offers flexibility and long-term protection. Variable life insurance comes with an investment component, allowing policyholders to allocate funds into different accounts and potentially build greater value for their beneficiaries in the future. Additionally, variable life insurance is generally more affordable than whole life insurance, but comes with the benefit of a death benefit that is greater than the policy's cash value. As such, Weston-based individuals who are looking for an investment vehicle that also offers death benefit protection should consider variable life insurance.
Can I cancel my policy after getting variable life insurance quotes in Weston?
Yes, you can cancel your variable life insurance policy. In Weston, WI, the key to successfully cancelling your policy is knowing how to reach your insurance providerโs customer service team. If you are unable to obtain the necessary information from the policy, contact your insurance provider to learn the proper steps to cancellation. Depending upon the type of policy you have, there may be cancellation fees or other policy specific requirements that must be met in order to properly cancel. Before deciding to cancel your policy, make sure to consider all your options to see if another solution would better serve your needs.
How does the cash value work for a variable life insurance policy Weston?
Variable life insurance in Weston, WI works a bit differently than other forms of life insurance. The cash value component in variable life insurance allows clients to manage and choose the investment risk associated with the underlying funds. This type of insurance gives the policyholder the flexibility to allocate premiums into investments from a broad selection of sub-accounts which can vary in risk and interest potential. When excess premiums are paid or interest accumulates, it increases the cash value and a portion of this money can be taken out as a tax-free loan or distributed as a withdrawal.
Is there a death benefit guarantee with variable life insurance near Weston?
In Weston, WI, the answer to the question of whether there is a guaranteed death benefit with variable life insurance depends on the particular policy. Variable life insurance policies typically pay out a death benefit that is either the cash value or the face amount of the policy, depending on which is greater at the time of the policyholder's passing. However, these policies typically contain provisions wherein policyholders can leverage their investments to increase the cash value of the policy, which in turn increases the death benefit. In such cases, the answer might be yes, there is a guaranteed death benefit.
What are the surrender fees for a variable life insurance quote Weston?
Surrender charges for variable life insurance policies depend on a number of factors, including the specific policy, the length of time policyholders have held the policy, and the location of the policy. In Weston, WI, variable life insurance policies typically have surrender charges that range from 4% to 7% in the first year and decrease to 1.5% and beyond after the fifth policy year. To find out more about surrender charges specific to a particular policy in Weston, WI, policyholders should contact their insurance provider directly.
There are no specific age restrictions when purchasing variable life insurance in Weston, WI; however, most life insurance companies will not offer a policy to someone over the age of 100. Eligibility for variable life insurance in Weston depends on factors such as the applicant's age, health, lifestyle, and other pertinent information that the insurer deems necessary. It is recommended that even those within the company's age limit speak to an insurance agent to assess eligibility and options when considering a potentially significant financial commitment.
How flexible are premium payments for variable life insurance policies near Weston?
With variable life insurance in Weston, WI, you can be flexible when making your premium payments. You have the ability to choose the amount you pay each month, and you can also change the payment frequency to monthly, quarterly, semi-annually, or annually. Additionally, you can adjust or suspend your premium payments to fit your needs. You retain ownership of your policy, so when and how you choose to make your payments is completely within your control.
How can I monitor performance of my variable life insurance in Weston?
For reliable tracking of the investment performance of your variable life insurance in Weston, WI, it is essential to have the assistance and expertise of a financial advisor. A financial advisor can provide sound, unbiased advice on the best strategies to meet your long-term financial goals, while helping to ensure that your investments are performing at their best. The advisor can regularly review the performance of your investments, while providing ongoing education and assistance that allows you to make informed decisions about your financial future. Ultimately, a financial advisor can help you achieve a secure future through proper investment management.
Is my Weston variable life insurance policy considered permanent life insurance?
Variable life insurance is a form of permanent life insurance specifically designed to meet the needs of Weston, WI residents. It's a great solution for those looking for cash value accumulation and provides flexibility through a variety of fund choices. Unlike other kinds of permanent life insurance, variable life insurance also carries risk, because the performance of the investment options is determined by the stock market. Weston, WI residents should consider this before investing and definitely refrain from taking on more risk than they can comfortably manage.
What's the typical duration of terms with a Weston variable life insurance company?
The duration of a variable life insurance policy will vary depending on your needs and circumstances. In Weston, Wisconsin, the typical duration for a variable life insurance policy can range anywhere from ten to thirty years. However, depending on your insurer and the type of policy you choose, you may be able to extend the duration of your policy to suit your specific needs. If you're looking for a policy with a longer duration, then you may be able to choose a whole life insurance policy or a universal life insurance policy, which can often be extended up to the life of the insured.
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