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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 Wichita, KS. 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
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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
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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 Wichita, KS.
Frequent Questions...
Variable life insurance is a type of permanent life insurance policy that will provide coverage to the policyholder for the duration of their life. Unlike other life insurance plans, the policyholder can invest part of the premiums paid into different separate investment accounts which may include equities, mutual funds, bonds and other investments. Although these investments are subject to changes in the investment markets, this type of policy can provide significant financial benefits to policyholders in the long-term.
Do variable life insurance quotes in Wichita come with a cash surrender value?
In Wichita, KS, variable life insurance typically offers a cash surrender value. Generally, a policyholder can cash out their variable life insurance policy for its cash surrender value, which is typically a percentage of the original policy face amount and depends primarily on the performance of the underlying sub-accounts. Additionally, the cash surrender value can vary between insurers, so it is important to ask any prospective life insurance provider to understand the specifics of its policies.
Can I withdraw or borrow from a variable life insurance policy Wichita?
In Wichita, KS you may be able to withdraw or borrow from the cash value of your variable life insurance policy, depending on the type of policy you have and the terms and conditions set forth by the insurance provider. However, these withdrawals can have serious implications for the success of your policy, so it is important to speak with a qualified financial advisor, tax professional, or life insurance representative before making any changes to your policy. Keep in mind that withdrawing from the cash value of your policy could result in surrender charges, additional taxes, or decrease the death benefit value of your policy.
Is there a death benefit guarantee with variable life insurance near Wichita?
In Wichita, KS, most variable life insurance policies provide a death benefit based on the performance of the underlying investments in the policy. While any specific guarantees surrounding this death benefit can vary depending on the individual policy and the company offering it, it is generally guaranteed to at least pay the value of the premiums that were paid into the policy at the time of death. In other words, if a policyholder dies, their beneficiary would typically receive the amount of money the policyholder had invested in it at the time of their death.
What are the surrender fees for a variable life insurance quote Wichita?
The surrender charges for variable life insurance in Wichita, KS are determined by your insurer and your specific policy. It's important to know your exact policy so that you are familiar with any potential fees associated with early loan payouts or full termination. Talk to your agent to get an understanding of the surrender fees associated with your policy. They can help you understand the applicable charges, restrictions, and other costs associated with surrendering your policy.
In general, there are no limitations on fund transfers within the policy in Wichita, KS. Local banks and credit unions in Wichita provide a variety of services related to financial management, ranging from transferring funds electronically to issuing checks. These fund transfer services can be accessed without any restrictions, so it's easy to make transfers with peace of mind. It's important to note that different financial institutions may have their own regulations and fees, so it's wise to research the process and understand any related costs before completing a transaction in Wichita.
How flexible are premium payments for variable life insurance policies near Wichita?
In Wichita, KS, variable life insurance premium payments are designed to be highly flexible for policy holders. Whether you prefer to pay your premium on a monthly, quarterly, semi-annually or annually basis, you have the options available with variable life insurance. Payments can often be modified or adjusted to ensure they are keeping up with changes in your personal finances. Other payment possibilities include paying in full upon inception, borrowing from the policy’s cash value, or utilizing a combination of payments from existing savings or income.
How regularly should I check my variable life insurance in Wichita?
In Wichita, KS, it is recommended to review your variable life insurance policy at least once a year. This allows you to stay up-to-date with your coverage and ensure your policy is still the best fit for your financial and lifestyle needs. Be sure to contact your insurance agent or provider if any changes occur in your life that could affect the coverage. Additionally, take time to read through any notices or mailings from your provider as they may contain important information regarding your policy.
How liquid is the cash value of my Wichita variable life insurance policy?
In Wichita, KS, the cash value of a variable life insurance policy is determined by several factors including the performance of the underlying investments, the policy’s fees and charges, the amount of premiums paid, the length of time the policy has been in force, and tax laws. The degree of liquidity varies based on factors such as when premiums were paid and whether a surrender charge is assessed.
Does my Wichita variable life insurance company offer a grace period for premium payments?
In Wichita, each variable life insurance policy has a specific grace period for premium payments that varies by insurer. To find out what the grace period is for your policy you should contact your insurance provider directly. Generally speaking, most insurers offer a grace period of between 15 and 30 days. During this time, you're still protected by your policy and can make a payment during that period without penalty. It's recommended that you stay on top of your policy payments to keep your policy in good standing and avoid cancellation.
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