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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 Bergenfield, NJ 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 Bergenfield, NJ. 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 Bergenfield, NJ.
Frequent Questions...
Variable life insurance is a specialty policy that differs from other types of life insurance policies in many ways, but the biggest difference is that it offers policyholders the ability to invest part of their premium in stocks, bonds, and mutual funds. This makes variable life insurance ideal for those who live in Bergenfield, NJ and want to take advantage of a policy that seeks higher returns than a regular life insurance policy. Additionally, with variable life insurance, policyholders are able to access the policy's accumulated cash value to pay up or increase their premium payments and enjoy tax deferral benefits.
Do variable life insurance quotes in Bergenfield come with a cash surrender value?
Yes, variable life insurance policies offered in Bergenfield, NJ have a cash surrender value. This means that policyholders in the area can partially or completely surrender the policy and receive a cash payment. The cash surrender value of the policy will depend on how long the policyholder has maintained the policy, though even after only a few years they may receive a valuable payment. The cash surrender value may make variable life insurance policies an attractive choice for people in Bergenfield, NJ looking for a policy that offers some liquidity.
Can I withdraw or borrow from a variable life insurance policy Bergenfield?
Yes, you can withdraw or borrow from the cash value of your variable life insurance policy dependent upon where you live. In Bergenfield, NJ the policy conditions must be reviewed to ensure that you are able to take advantage of such options. You can speak with a life insurance counselor from a trusted provider in the area to help you understand all of your available options. They will be able to advise on the best path to take to access the available investments associated with your policy.
How transparent is the investment performance of variable life insurance near Bergenfield?
In Bergenfield, NJ, the investment performance of variable life insurance is highly transparent. This type of policy offers you complete visibility into the policy’s performance, as you can track the performance of the underlying investments in the policy. Additionally, you will receive a statement each year that outlines the current investments available in the policy and their respective performance. You may also be able to review third-party reports that help you gauge the performance of the policy and make educated decisions on what investments to make in the future.
Is there a minimum guaranteed return with a variable life insurance quote Bergenfield?
Variable life insurance policies offer the opportunity for policyholders in Bergenfield, NJ to invest in variable sub-accounts and have potential for greater rewards, however these gains are not guaranteed. It is important to remember that certain risks, such as market fluctuations, are associated with all investments, including those within variable life insurance policy products. Therefore, while these products do not offer a minimum guaranteed return, they are an attractive option for those looking to potentially take on increased reward opportunities over a traditional life insurance program.
Variable Life Insurance offers Bergenfield, NJ residents a variety of benefits. One of the primary advantages is that it provides policy holders with access to a range of investment options, so they can diversify their portfolio according to their long-term goals. Additionally, Variable Life Insurance also offers guaranteed death benefits that pay out tax-deferred funds to beneficiaries, ensuring that their loved ones are taken care of in the event of their passing. Furthermore, many policies also offer policy holders the potential to build cash value over time, making it a great option for anyone looking for long-term financial security.
How flexible are premium payments for variable life insurance policies near Bergenfield?
Premium payments in variable life insurance policies can be tailored to fit your financial situation, making them quite flexible for those who live in Bergenfield, NJ. Policyholders can typically choose to make annual, semi-annual, quarterly or monthly payments to keep their policy active. Depending on their initiating coverage, policyholders can also elect to pay a premium that is greater than the minimum requirement either as a one-time payment or in several installments. In certain circumstances, policyholders can even borrow from the cash value of their policy and use that as a substitute for making future premium payments.
Does all variable life insurance in Bergenfield offer the same investments?
No, not all variable life insurance policies offer the same investment options. In Bergenfield, NJ, one can research different policies to determine what type of account or investment option suits their individual needs. For example, some variable life insurance policies may offer a Whole Life option for more consistent savings and guaranteed cash value, while others may offer an Variable Investment option with more flexibility to diversify investments. Bergenfield residents should consider their own financial goals and make sure the policy they choose offers the best option for their needs.
Can I use my Bergenfield variable life insurance policy for retirement savings?
Yes, variable life insurance can be used as a retirement savings vehicle in Bergenfield, NJ. Variable life insurance can be used to accumulate savings over time, which can be withdrawn or borrowed in retirement. This type of policy offers tax-favored growth potential, allowing earnings to compound without additional taxation. Variable life insurance also provides flexibility as policy holders can adjust their coverage and contributions to fit their individual needs. Additionally, the policy provides death benefit coverage that can be used to provide estate planning flexibility, ensuring that your loved ones are taken care of in the event of your death.
What's the typical duration of terms with a Bergenfield variable life insurance company?
Variable Life Insurance policies vary in length but are typically intended to help provide for those you love in the event of your death. In Bergenfield, New Jersey, the typical duration of a Variable Life Insurance policy is 20 to 30 years, depending on the policy provider. This type of coverage can help provide financial security to your family and other dependents if you're no longer around, in addition to other features of the policy like an accumulated cash value and dividends for the policyholder.
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