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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 Asbury Park, 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
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Mark Sidway
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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 Asbury Park, NJ.
Frequent Questions...
Variable life insurance is a type of life insurance policy designed to provide protection for policyholders and their dependents in Asbury Park, NJ. The sum of the insurance benefit from this type of life insurance policy will vary depending on the performance of the underlying investments. It includes a tax-free cash value component that is affected by the performance of the investments, allowing policyholders the opportunity to control the level of risk theyβre comfortable with. In addition, the policies also offer flexibility with exceptional death benefits and living benefits that can serve to meet individual needs.
Do variable life insurance quotes in Asbury Park come with a cash surrender value?
Variable life insurance policies can have cash surrender values for policyholders in Asbury Park, NJ. This is a feature that is widely available to policyholders within the state. With variable life insurance policies, policyholders have the option to cash in their policy and receive the Cash Surrender Value. This feature allows policyholders to access their accrued Capital Gains, Cash Value, and Dividend Value, and can serve as an additional cash source during emergency situations or life events.
What potential risks are there with a variable life insurance policy Asbury Park?
With any type of insurance in general, there are potential risks associated with variable life insurance in Asbury Park, NJ. One of the greatest risks is that the cash value of the policy might not be sufficient to cover the death benefit β should the insured individual pass away prior to developing sufficient cash value in their policy. Another risk is that the returns could be less than expected due to the ever-changing stock market. Additionally, possible illiquidity could pose a risk in terms of accessing funds which have been invested within the policy.
Is there a death benefit guarantee with variable life insurance near Asbury Park?
While variable life insurance does usually provide a death benefit, this death benefit is not always guaranteed in Asbury Park, NJ. The insurance company will evaluate the investment performance of the policy during its term to determine the policy's value at the time of the owner's passing. If there are insufficient funds to provide the expected benefit in Asbury Park, the beneficiary may receive a lower amount than expected. It is important to read the policy contract carefully to understand the terms and potential risks associated with variable life insurance.
How does a variable life insurance quote Asbury Park handle dividends?
Dividends from variable life insurance in Asbury Park, NJ are considered a return of some of the premiums paid. This money can be used to invest in additional contracts, made available for payment of premiums, or received as a cash payment. Investment options vary from policy to policy, so it's important to review the contract details closely to understand policyholder dividends. Dividends can also have a positive impact in increasing the death benefit of a policy, and are generally tax-deferred in accord with IRS regulations.
The death benefit associated with an investment in Asbury Park, NJ, will typically vary according to its performance. For example, in a volatile market, the death benefit payout may be lower than expected, but if the investment realizes positive returns, the beneficiary could receive more than originally anticipated. Those investing in Asbury Park should be aware of the risk associated with the markets as investing success cannot be guaranteed, and either gains or losses may affect the amount of the death benefit.
Can I direct specific investment strategies for variable life insurance policies near Asbury Park?
Yes, the policyholder in Asbury Park, NJ can dictate specific investment strategies for the cash value of their policy. This flexibility allows the holder to have more control over how their money is invested and move funds around as necessary in order to accommodate their changing needs. Whether they choose to take a more conservative or aggressive approach, they have the power to make decisions and select funds from a variety of options that they believe are the best fit for their current financial situation.
How regularly should I check my variable life insurance in Asbury Park?
Reviewing your variable life insurance policy in Asbury Park, NJ should occur at least once a year, as that will provide you the peace of mind that your policy and financial needs are meeting your desired goals. This annual review will also ensure that the policy is updated to reflect any changes in your life or financial needs that may have occurred during the year. In addition, the review will ensure that the policy is accurate and up-to-date with your current financial situation.
Can I use my Asbury Park variable life insurance policy for retirement savings?
Yes, variable life insurance can be used as a retirement savings vehicle, particularly for Asbury Park, NJ residents. Variable life insurance provides policyholders with the potential for higher returns when compared to traditional savings accounts, an attractive prospect for those living in an expensive area like Asbury Park. In addition, variable life insurance policies typically offer tax advantages, allowing residents to gain the most value from their savings when preparing for retirement. For all of these reasons, variable life insurance should be seriously considered as a way to save for retirement in Asbury Park, NJ.
What's the typical duration of terms with a Asbury Park variable life insurance company?
The duration of a variable life insurance policy will depend on the company, the type of policy, and the individual's unique situation in Asbury Park, NJ. That being said, these policies typically last for the duration of the policyholder's life. The premiums are variable and can be adjusted, cancelled, or converted to whole life insurance policies if the policyholder wishes.
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