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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 Dedham, MA Variable Life Insurance policy providers in as little as 15 minutes. Save time. Save big. Get started now.
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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
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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 Dedham, MA. 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 Dedham, MA.
Frequent Questions...
Variable life insurance is a type of permanent life insurance that allows policyholders to manage their own investments, while also providing them with a death benefit and the potential for cash value accumulation. This type of insurance is particularly relevant to people living in Dedham, MA because it offers flexible premium payments and flexibility to choose from different investment options, providing financial security for individuals and their families. Variable life insurance has increased in popularity in recent years due to the potential for tax efficient growth. Variable life insurance policies offer a range of investment accounts, giving the policyholder the ability to customize their coverage.
Are there early withdrawal penalties for variable life insurance quotes in Dedham?
Yes, there are usually penalties for early withdrawal from the cash value in Dedham, MA. Financial services providers typically require any withdrawals made before the contract's maturity date to incur a withdrawal charge and surrender fee. If you live in Dedham, MA, it is important to consult with your local financial services provider to determine exactly what types of penalties you may be facing for early withdrawal. Your provider may also be able to offer guidance on any other options to consider before taking funds from your cash value.
How does the cash value work for a variable life insurance policy Dedham?
In Dedham, MA, variable life insurance provides a death benefit to the named beneficiary and increases cash value as long as the policy stays in force. This cash value is held in an interest-bearing account, and it increases in value as the premiums are paid. The funds held in the cash value may be used to offset premiums, buy paid-up additional insurance, withdraw funds up to surrender value, or borrow against the policy. The money in the account can even be invested in a range of variable investment options to allow it to potentially grow faster.
How often can I modify my investments in variable life insurance near Dedham?
In Dedham, MA, the frequency at which you can change your investment choices with variable life insurance can vary, depending on the particular insurance company you choose and what type of policy you purchase. Generally, you can make changes as often as you'd like, such as yearly, quarterly, or even monthly, depending on the terms of the policy. However, it is important to check with your insurance company to ensure that you are following the correct policies and procedures for changing your choices.
Can I include riders in my variable life insurance quote Dedham?
Yes, you can add riders to your variable life insurance policy in Dedham, MA. Riders provide additional features and benefits to your policy, such as cost of living adjustments or convertible policies, that can help tailor your policy to meet your specific needs and budget. It is important to remember that riders typically come at an additional cost, which can vary based on each provider and the type of rider you consider. Researching and comparing different providers in Dedham is the best way to find an option that best fits your resources and desired outcome.
Yes, there are age restrictions for purchasing variable life insurance in Dedham, Massachusetts. Generally, you must be at least 18 years old to apply, but some insurers may require that you be 18 or older to purchase a policy. Depending on the insurer, the maximum age to take out a policy could be anywhere from 65 to 85 years old. If you're considering variable life insurance, make sure to read all the terms and conditions of any policy you're considering to determine the age restrictions and the specific qualifications for age eligibility.
Can I upgrade variable life insurance policies near Dedham to another policy type?
In Dedham, MA, you may be able to upgrade your variable life insurance policy to another type of insurance policy depending on the specific policy and coverage you have. It’s best to speak with a local insurance agent who is knowledgeable about the policies available in the Dedham area to learn if upgrading is an option. A local insurance agent will also be able to provide advice on the best type of policy to meet your coverage needs and goals in addition to providing a no-obligation quote tailored to your individual situation.
Are management fees for variable life insurance in Dedham similar to mutual funds?
In Dedham, MA, the management fees for variable life insurance may be more or less comparable to regular mutual funds. However, this depends on the individual and their specific situation. When researching variable life insurance, it’s important to compare the fees/charges of the specific plans and determine which plan best meets the individual’s needs. In some cases, variable life insurance may not be the most cost effective solution, and instead an investor may need to consider other options.
Is my Dedham variable life insurance policy considered permanent life insurance?
Variable life insurance is a type of permanent life insurance that is often chosen by those living in Dedham, MA because it offers the potential for the policy to benefit from stock and bond market performance without the policyholder taking on the risk of that investment. Variable policies have yearly renewable terms and offer death benefits and cash value that is tax-deferred. Cash values from premium payments made, as well as investment returns, are credited to the policy.
What's the typical duration of terms with a Dedham variable life insurance company?
The typical duration of a variable life insurance policy in Dedham, MA can vary depending on the needs of the policyholder. Generally speaking, a variable life insurance policy has a minimum of 10 years, and the maximum is around 30 years. Policies can and typically do have flexible terms including the option to adjust premiums or coverage amounts throughout the term of the policy. One of the advantages of variable life policies in Dedham, MA is the ability to tailor policies to fit the individual needs of the policyholder.
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