Taking too long? Close loading screen.
Compare over 37 Variable Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 New Haven, CT Variable Life Insurance policy providers in as little as 15 minutes. Save time. Save big. Get started now.
Find the perfect plan from over 37 providers
Your one-stop-shop to compare all the rates, all at once.
With PolicyHub you get:
Over 37 policy provider comparison.
Explore multiple policies from all the leading insurers and choose the one that fits your needs.
Locked in rate discount and exclusive deals.
Benefit from exclusive deals offered only to residents of your state, and lock in huge rate discounts.
Customized policies just for you.
Our team tailors policies to your unique needs, meaning optimal coverage at competitive rates.
"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
ATTN: 2024 Variable Life Insurance rates just released!
Get the latest Variable Life Insurance rates for 2024 and lock in your policy today! Get started comparing policies right now.
Get the Variable Life Insurance plan with the cheapest rates in 3 easy steps.
Done in 3 easy steps
Step 1
Tell us about yourself.
Finding the perfect life insurance policy starts with answering a few questions to help us serve you better.
Step 2
Compare rates & plans.
Discuss your options with a licensed insurance agent. Compare plans to find the best policy & cheapest rates.
Step 3
Lock in cheap rates.
Secure the lowest rates and lock in the perfect life insurance policy for you and your family.
"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 New Haven, CT. 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.
Save time and get the best Variable Life Insurance policy with the cheapest rates. Guaranteed.
 |
Option 1 | Option 2 | ||
|---|---|---|---|---|
| 100% Digital | ||||
| Licensed Agents | ||||
| Expert Support | ||||
| Get Started in 15 minutes | ||||
| Decades of Experience | ||||
| Compare 37+ Providers | ||||
| Zero Hidden Costs | ||||
| Top Insurance Providers |
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 New Haven, CT.
Frequent Questions...
Variable Life Insurance is a form of life insurance that offers a variable investment component and flexible premiums in New Haven, Connecticut. The variable investment component is an investment account that allows policyholders to invest in different stocks and mutual funds. The insured's death benefit and cash value will fluctuate based on the performance of their investment account. Premiums on variable life insurance are flexible as policyholders can make premium adjustments as your financial situation changes. These premiums are usually invested on a monthly, quarterly or annual basis.
Can I use my variable life insurance quotes in New Haven as collateral?
In New Haven, CT, it is not possible to use variable life insurance as collateral for a loan. Even though some financial institutions offer this option, most lenders require more tangible forms of collateral, including real estate, cars, and cash. It is important to note, however, that the amount of the loan that you qualify for may also depend on your credit score, income, and other factors. Therefore, before exploring the option of collateralizing insurance, it is advisable to consult a financial advisor to determine what forms of collateral you qualify to use.
What are the tax aspects of a variable life insurance policy New Haven?
In New Haven, CT, the tax implications of variable life insurance vary depending on your individual circumstances. Generally speaking, any policyholder from the area will be required to pay taxes on cash values accrued from the policy as well as on any dividends received. Death benefits received from the policy are generally exempt from taxation, however. It's important to review your specific policy in detail and consult a qualified tax specialist to understand the full range of applicable tax implications.
Do I need to understand investments for variable life insurance near New Haven?
No, you don't need to be an investment expert to purchase variable life insurance in New Haven, CT. As this type of life insurance policy offers the opportunity to invest within a number of different options, once you have determined the amount of coverage you need, a professional and experienced financial advisor can help you evaluate the various investment options to help you choose the best option for you and your family. They can discuss with you the potential risks and benefits associated with each option to ensure you are making an informed decision.
Is there a minimum guaranteed return with a variable life insurance quote New Haven?
Variable life insurance offers policyholders in New Haven, CT the potential for higher returns than a fixed annuity, as it allows them to choose how to invest their funds. While there is no minimum guaranteed return with variable life insurance, it provides policyholders in New Haven the opportunity to earn more in the long term than traditional fixed annuities due to their access to the stock market. Additionally, variable life insurance offers policyholders in New Haven additional tax savings similar to those offered by fixed annuities.
Living in New Haven, Connecticut, you have the unique opportunity to take advantage of the many benefits that come with having a Variable Life Insurance policy. Typically, Variable Life Insurance provides policyholders with the flexibility to manage their own investments within the policy, offering the potential for greater returns than a more traditional whole life policy. Additionally, this type of insurance provides death and survivor benefit protection, and since the cash value accumulates federal tax-deferred, the cash value grows faster than other life insurance policies.
Do variable life insurance policies near New Haven provide guarantees on returns?
Variable life insurance in New Haven, CT provides policyholders with the potential to earn returns beyond what traditional life insurance offers, but it does not guarantee any investment returns. Since variable life insurance investment accounts are influenced and impacted by stock market shifts, the investment performance can fluctuate from year to year. Though variable life insurance is generally viewed as a longer term strategy, policyholders should consult a qualified insurance agent in New Haven, CT to obtain information and advice about their particular insurance policies and potential returns.
Does all variable life insurance in New Haven offer the same investments?
No, not all variable life insurance policies offer the same investment options. Generally, the investment options available with a variable life insurance policy depend on the insurance provider, and there are a variety of providers in New Haven, CT that have different selections of investments available. In New Haven, options may vary from traditional stocks and bonds to different types of mutual funds. It's important to speak with a financial advisor to determine which policy and investment options are best for you.
How does my New Haven variable life insurance policy handle loan interest?
In New Haven, CT, policy loan interest on Variable Life Insurance is generally treated as a cost incurred by the policyholder. This cost is designed to offset any income tax obligations incurred from taking a policy loan. The policy loan also accrues interest, which is ultimately the responsibility of the policyholder to pay according to the terms of their policy. Failure to keep up with policy loan interest payments could ultimately lead to surrendering the policy and losing the insurance coverage.
Can I convert from term life insurance with a New Haven variable life insurance company?
In New Haven, CT, it is possible to convert your term life insurance to variable life insurance. The process is often completed through your life insurance provider and involves changing your policy ownership and coverage while still continuing with the same provider. It is important to understand the differences between term life insurance and variable life insurance prior to making the conversion. It may also be beneficial to speak with your life insurance agent or financial advisor to evaluate your current financial situation and ensure that the conversion is the best option for your particular situation.
Compare New Haven, CT Variable Life Insurance Policies
Get started today and compare over 37 Variable Life Insurance providers in as little as 15 minutes.
© 2024 PolicyHub - all rights reserved
