Compare over 37 Variable Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Amesbury Town, MA 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 Amesbury Town, 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.
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 Amesbury Town, MA.
Frequent Questions...
Individuals in Amesbury Town, MA, who want flexibility in their life insurance policy, are well-suited to purchasing variable life insurance. Variable life insurance gives consumers the ability to shape their life insurance coverage according to their individual needs by adjusting their death benefit, premium payments and the amount of money allocated to investment portfolios. Variable life insurance may potentially provide Amesbury Town residents with tax-deferred investment and insurance coverage, as well as the potential for excellent growth opportunities. For those looking for a flexible life insurance policy, variable life insurance is worth considering.
Are there early withdrawal penalties for variable life insurance quotes in Amesbury Town?
In Amesbury Town, MA, the cost associated with early withdrawal from the cash value will differ depending on the terms and conditions set by the policyholder or insurer. Generally speaking, if you are removing funds from the cash value before its maturity date, you will be charged a surrender fee or withdrawal penalty. The size of the fee can be a percentage of the total withdrawal amount or a flat fee. For specific policy information, it is best to consult a trusted financial advisor.
What potential risks are there with a variable life insurance policy Amesbury Town?
Variable life insurance in Amesbury Town, MA can involve higher levels of risk than traditional fixed-income products, as the value of your policy is connected to the performance of underlying investments. For a variable life insurance policy, your premium payments may not be enough to provide the coverage or benefit specified in the policy if your chosen investments perform poorly. Therefore, you must continually assess the performance of investments in your variable life insurance portfolio in order to maintain an adequately funded policy. Furthermore, you may be subject to management fees which can reduce any gains.
How transparent is the investment performance of variable life insurance near Amesbury Town?
The level of transparency regarding the investment performance in variable life insurance is very high in Amesbury Town, MA. The town requires life insurance companies to be upfront and honest about their performance, making any and all information available to potential and current policyholders. The performance statements and ratings enable customers to make informed decisions about their investment options. This transparency gives Amesbury Town customers the opportunity to trust the insurers they work with and make educated decisions about their investments.
What are the surrender fees for a variable life insurance quote Amesbury Town?
Surrender charges can vary depending on the individual policy and the insurance company. In Amesbury Town, MA, the fees and charges associated with surrendering variable life insurance can be found in the policy document. Typically, surrender charges can range from 0% 9% in the first year and decrease each year after that, until the policy is fully surrendered. It is important to understand the individual terms and conditions associated with any policy purchased in Amesbury Town, MA before signing to ensure you understand all the fees you will incur.
Variable life insurance may provide some coverage for short-term needs in Amesbury Town, MA. Depending on policy terms, the cash value of the life insurance policy can build over the course of the years, providing a form of investment as well as protection. However, depending on the policy terms, any death benefit payout may be lower than a typical whole life policy designed solely for death benefit coverage. It is always best to consult a professional life insurance agent or broker to determine the best policy that meets short-term and long-term coverage needs.
Can I upgrade variable life insurance policies near Amesbury Town to another policy type?
In Amesbury Town, MA, you may be able to upgrade your variable life insurance policy to another type of life insurance policy. Depending on the circumstances, you may be able to add riders or combine policies. It's best to speak with an independent agent to determine what's most suitable for your specific needs. The agent can review your cash flow, age, assets, and any other relevant information to determine the best option. With the right selection, you can ensure that your family is protected and that you're making the most of your insurance coverage.
Can I change investment options for variable life insurance in Amesbury Town without tax effects?
Yes, in Amesbury Town, MA, you can switch between investment options without incurring any tax implications as long as it is done in accordance with securities laws and regulations. A few tax planning strategies include tax loss harvesting, rollovers, and rebalancing. Tax loss harvesting involves selling investments that have incurred a loss and then replacing them with similar but not necessarily identical securities with similar characteristics in order to reduce taxes paid reported on capital gains. Rollovers involve transferring existing savings between tax-advantaged accounts, such as 401(k) to an IRA, to more efficiently manage your retirement savings.
How liquid is the cash value of my Amesbury Town variable life insurance policy?
The cash value of a variable life insurance policy in Amesbury Town, MA depends on the investment performance and policyholder contributions. Generally, the cash value will be more liquid than other popular forms of long-term investments such as stocks and mutual funds. However, since policyholders are subject to the performance of the investments chosen with the policy, there is a degree of risk involved in accessing the cash value. Not all policies offer the same liquidity either some policies come with added fees and restrictions on withdrawals to ensure cash value isn't quickly depleted.
How do loans affect death benefits with my Amesbury Town variable life insurance company?
Policy loans taken out on variable life insurance in Amesbury Town, MA can reduce the death benefit to the named beneficiaries. Generally, the outstanding balance of the loan plus the interest incurred at the time of the policyholder's death is subtracted from the total face value of the policy. However, any policy loans that remain unpaid at the time of death won't affect the death benefit as long as the unpaid loan is not more than the cash value of the policy.
Compare Amesbury Town, MA 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