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Compare over 37 Variable Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Wilton Manors, FL 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 Wilton Manors, FL. 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
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 Wilton Manors, FL.
Frequent Questions...
Variable Life Insurance is a type of permanent insurance that provides the policyholder with death benefit protection and an investment component all in one policy. The policyholder has the flexibility to choose how their premium payments are invested among a variety of investment options and life insurance and annuity subaccounts. That flexibility allows Wilton Manors, FL residents to tailor the policy's death benefit and investment portfolio to meet their financial goals and objectives. Variable life insurance is more expensive than term insurance, but the permanent coverage and investment opportunities make it attractive for investors in certain situations.
Do variable life insurance quotes in Wilton Manors come with a cash surrender value?
Yes, variable life insurance policies typically have a cash surrender value. Wilton Manors, Florida residents considering variable life insurance should be aware that in addition to the death benefit, the cash surrender value increases with the performance of the underlying investments. This means that the cash surrender value can potentially grow over time, providing a unique opportunity to access a portion of the value while the policyholder is still alive. It is important to keep in mind that taxes and surrender fees may still apply, which will reduce the total surrender value.
What potential risks are there with a variable life insurance policy Wilton Manors?
In Wilton Manors, FL, the potential risks associated with variable life insurance are that the cash value can go down and/or up due to market performance which means your death benefits could change. Additionally, because of the variable nature, you could potentially pay more in premiums than you get in death benefits depending on the results of your investments. There is also the risk that the insurance company becomes insolvent or unsuccessful which could cause a lapse in coverage and no death benefits would be paid.
Is there a death benefit guarantee with variable life insurance near Wilton Manors?
Variable life insurance in Wilton Manors, FL does not offer a guaranteed death benefit because the payout varies based on the performance of the stock market-based investments. The intention of this policy is to provide the policyholder with the potential to grow their funds, particularly on a tax-deferred basis. However, the nature of market fluctuations makes it difficult to guarantee the death benefit amount, making this a riskier option for insureds seeking to secure a guaranteed death benefit.
What happens if my variable life insurance quote Wilton Manors underperforms?
If your chosen investments don't perform as expected, you could consider reinvesting in different ventures more tailored to Wilton Manors, FL. For example, the city is home to many flourishing small businesses that offer excellent potential for investors. You could also look into starting your own business or investing in the local real estate market. Additionally, you may want to consult with an accredited financial advisor in Wilton Manors to get personalized advice to avoid any potential losses in your investments.
Residents of Wilton Manors, FL can benefit from the flexibility and tax advantages offered by variable life insurance. Unlike traditional life insurance, a variable life policy takes into account the investment performance of the policyholder, not just their death benefits. This type of insurance allows policyholders to adjust their coverage levels and create an investment portfolio to suit their financial goals. With variable life insurance, policyholders can also put their premiums into tax-deferred investments, providing potential growth and sheltering from all taxes.
Can I direct specific investment strategies for variable life insurance policies near Wilton Manors?
Yes, the policyholder in Wilton Manors, FL has the ability to dictate specific investment strategies for the cash value of their policy. This allows them to tailor their coverage to meet their individual needs and goals. They can decide which investments to make, the duration of their holdings, and their desired level of risk. By taking an active role in their investments, the policyholder can maximize their returns while still achieving their financial objectives.
How regularly should I check my variable life insurance in Wilton Manors?
It's important to review your variable life insurance policy at least once a year, especially if you are a Wilton Manors, FL resident. This will help ensure your coverage is up to date and tailored to meet your requirements. Your evolving financial situation may also necessitate a policy review to ensure it continues to meet your needs. Depending on your age and stage in life and any life-changing events, you may want to review your policy on an even more frequent basis. There may also be new insurance options or products available that you should consider.
Is the cash value in my Wilton Manors variable life insurance policy safe from creditors?
In Wilton Manors, FL, the cash value accrued in your variable life insurance policy is not 100% protected from creditors since Florida law allows creditors to have access to some forms of asset protection. However, if a creditor chooses to levy assets from a variable life insurance policy, it will be limited to only the cash value in the policy and not the policy itself. Ultimately, the best form of asset protection from creditors is to consult with a financial professional in the Wilton Manors area who can help explain the best options applicable to this type of coverage.
What's the typical duration of terms with a Wilton Manors variable life insurance company?
Variable life insurance policies typically cover people from the ages of 18 to 80, and the duration may depend on where you purchase the policy. In Wilton Manors, FL, the typical duration of a variable life insurance policy lasts up to 30 years, depending upon the provider you choose and the type of coverage you opt for. Variable life insurance plans are designed to provide more flexibility and enhanced benefits as compared to conventional life insurance plans. Common options include a cash value feature, where the policy owner can withdraw money, and life insurance for children, which may also span the life of the child.
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