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With PolicyHub you get to compare over 37 Woodmere, LA 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.
Get started in less than 15 minutes.
With PolicyHub getting started is easy. Compare all the Variable Life Insurance rates from all the providers in Woodmere, LA. 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 Woodmere, LA.
Frequent Questions...
At Woodmere, LA, variable life insurance offers the best of both worlds the potential of higher returns and the security of fixed premiums. The premiums are fixed throughout the policyholder's life, but the performance of the policy is directly affected by the performance of the underlying investments, such as stocks and bonds. Additionally, the policyholder has the flexibility to shift their investments within designated asset classes according to changing market conditions. As a result, variable life insurance may offer a higher return than standard premium life insurance, although there is also greater risk involved.
Can I use my variable life insurance quotes in Woodmere as collateral?
In Woodmere, LA, variable life insurance can be used as collateral for a loan, provided that the loan amount does not exceed the policy’s cash value. Variable life insurance policies are life insurance policies that feature a separate account that holds stocks, bonds, and other investment instruments. This account creates a cash value that can be borrowed against and used as collateral.
How does the cash value work for a variable life insurance policy Woodmere?
Variable life insurance is an excellent choice for Woodmere, LA residents who need help protecting their families and planning their financial futures. In a variable life policy, the cash value component allows policyholders to allocate funds to investments that will increase the cash value of the policy. With variable life insurance, policyholders have the advantage of receiving dividends or interest on those investments, improving the overall value of the policy. This added benefit makes variable life insurance a popular choice among Woodmere residents, as it gives them the chance to build a larger financial safety net for their loved ones.
What fees are there with variable life insurance near Woodmere?
Variable life insurance has different fees associated with it that will vary from policy to policy. Depending on where you are located in Woodmere, LA, costs will vary between insurers, and can include but not be limited to: policy fees, risk fees, administrative fees, advisory fees, mortality and expense risk fees, and withdrawal charges. It is important to understand the fees associated with a variable life insurance policy before you purchase a policy, as they can have a significant impact on your costs.
What are the surrender fees for a variable life insurance quote Woodmere?
Surrender charges vary depending on the individual’s specific policy and the location of the issuer. In Woodmere, Louisiana, surrender charges for variable life insurance will depend on the policy, the product issuer, and the policy anniversary year. Generally, the more recent the policy anniversary year, the lower the surrender charge. The specific surrender charge for any given policy will be outlined in the policy documents. It’s important to know the details of the surrender charge components that may apply to your policy to ensure that you are making responsible financial decisions.
Woodmere residents looking for a helpful and comprehensive life insurance policy should consider adding Variable Life Insurance to their portfolio. Variable Life Insurance is designed to provide the policyholder with flexible coverage while helping their beneficiaries build a financial legacy. With Variable Life Insurance, the policyholder has the unique ability to adjust their coverage and adjust their contingent beneficiaries like a joint partner or family member. This coverage also offers long-term policy investment options, gives you the chance to increase the potential death benefit, and offers access to financial advisors to ensure each policyholder is getting the most out of their coverage.
Do variable life insurance policies near Woodmere provide guarantees on returns?
Variable life insurance offers many benefits to those living in Woodmere, LA, but it does not guarantee a particular rate of return on your investment. Variable life policies generally allow for flexible premium payments, policy loans or withdrawals, and a potential death benefit for the beneficiary. As with any other form of investment, however, there is risk involved, as investments may increase or decrease in value based on external market conditions. That said, variable life insurance can be a great way to reach your future financial goals as compared to traditional life insurance options.
How regularly should I check my variable life insurance in Woodmere?
It's recommended to review your variable life insurance policy annually to make sure your coverage fits your changing needs. In Woodmere, LA, you should also review your policy after major life changes, such as marriage, children, significant changes in income, or retirement. Getting advice about your policy from a professional insurance agent is also a good idea, especially if you're not sure if your needs are being met by your current coverage. They can provide the best advice for making sure your policy is the right fit for you.
Can I use my Woodmere variable life insurance policy for retirement savings?
Yes, Woodmere, LA residents with variable life insurance policies can use them as a retirement savings vehicle. This type of policy has a death benefit and a cash value that accumulates based on the performance of investment sub-accounts. The cash value in these accounts can be withdrawn as a loan which, when properly managed, can be an effective retirement savings vehicle. Additionally, depending on their age and the current interest rate when taking out the loan, borrowings from a variable life insurance policy can be less expensive than getting a loan from a bank or other financial institution.
Can I convert from term life insurance with a Woodmere variable life insurance company?
Yes, it's possible to convert your term life insurance to variable life insurance in Woodmere, LA. At Woodmere Financial Services, we offer a range of life insurance options, including variable life insurance, so you can make the best choice for yourself and your family. We understand this important decision and will help you find the right plan that fits your budget, needs, and goals. During the switch from term life insurance to variable life insurance, your coverage may be interrupted and the fees may change.
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