Compare over 37 Variable Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Beachwood, NJ 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 Beachwood, 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.
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 Beachwood, NJ.
Frequent Questions...
Individuals in Beachwood, NJ with family members depending on them for financial security should consider purchasing variable life insurance, as it provides a range of death benefits and additional living benefits with some tax advantages. Not only does variable life insurance provide needed security to the family, it can also be the starting point for a diversified financial portfolio. Additionally, the premiums for variable life insurance are flexible and can help individuals estate plan according to their long-term financial goals. Variable life insurance plays an important role in building and maintaining a secure financial future for families.
Are there early withdrawal penalties for variable life insurance quotes in Beachwood?
In Beachwood, NJ, the penalties for early withdrawal from the cash value depend on the specific product and financial institution holding it. Generally, early withdrawal from a term life insurance policy results in limited or no penalties, while withdrawal from a permanent life insurance policy may be subject to surrender charges and potential losses in the policy's cash value. It is important to discuss any plans for early withdrawal with a financial services professional to help ensure the best outcome for your unique situation.
How does the cash value work for a variable life insurance policy Beachwood?
The cash value component associated with a Variable Life Insurance policy in Beachwood, NJ offers the policyholder a variety of potential benefits. This component is essentially a savings option, where the policyholder can save money on a pre-tax basis and have the opportunity to eventually convert the funds to income if needed. The cash value component can also be seen as a form of emergency funding due to its convenient availability. It can provide the policyholder with additional liquidity if unexpected expenses or financial emergencies arise.
Is there a death benefit guarantee with variable life insurance near Beachwood?
Beachwood residents who want a guaranteed death benefit with their variable life insurance should look no further than their local State Farm agent, who offers plans that protect them and their loved ones. Variable life insurance provides potential growth with investment options and a guaranteed death benefit, so policyholders know that they and their family will be taken care of no matter what. This death benefit and insurance is worth the investment, especially when you consider how it could protect your family's financial future. Your State Farm agent can help you decide if this type of policy is right for you.
Is there a minimum guaranteed return with a variable life insurance quote Beachwood?
Variable life insurance policies in Beachwood, NJ offer the potential of long-term growth, depending upon how the cash value is invested. Unfortunately, there is no minimum guaranteed return as the policy holder's gains depend upon the performance of the underlying assets. That said, variable life policies can help create a tax-advantaged retirement strategy with the added benefit of potential access to funds. The risk associated with variable life policies requires diligent monitoring of the investor's objectives, as well as the performance of the underlying assets.
In Beachwood, NJ, variable life insurance may be suitable for short-term coverage needs. With variable life insurance, policyholders have more investment options compared to other life insurance policies. As opposed to fixed premiums of traditional life insurance, policyholders can increase or decrease their payments according to their short-term needs. Furthermore, variable life insurance policies can provide access to tax-deferred cash values, which are beneficial for short-term planning. Policyholders can access these funds without taking out a loan and still maintain control of the funds.
Can I direct specific investment strategies for variable life insurance policies near Beachwood?
While policyholders in Beachwood, NJ cannot dictate specific investment strategies for the cash value, they may be able to come to an arrangement with their provider in order to find a solution that best suits their needs. It is important to discuss all options with your provider in order to find an agreement that allows for the best results. Additionally, policyholders should make sure to monitor the performance of their investments on an ongoing basis to ensure the growth of their assets.
Are management fees for variable life insurance in Beachwood similar to mutual funds?
In Beachwood, NJ, the management fees for variable life insurance can be comparable to those for regular mutual funds. However, it is important to note that both the cost and specific services available can vary between insurers. Variable life insurance typically carries higher premiums and fees as compared to other investment options. It may also offer different benefits that could make it worth the cost for investors looking for certain specific investment features or targeted returns. Consulting with a qualified advisor in Beachwood, NJ to assess specifics of the policy and overall cost of getting insured would be the best route to take when making such an important decision.
Is the cash value in my Beachwood variable life insurance policy safe from creditors?
In Beachwood, NJ, the cash value of a variable life insurance policy is indeed protected from creditors. This type of insurance provides policyholders with long-term security and the protection of a death benefit. The cash value that accumulates in the policy over time is put into an account controlled by the insured, which is protected from creditors by the New Jersey Life Insurance Guaranty Association. Policyholders in Beachwood, NJ can rest assured that their variable life insurance policy is shielded from creditors and can provide peace of mind for years to come.
What's the typical duration of terms with a Beachwood variable life insurance company?
In Beachwood, NJ, the typical duration of a variable life insurance policy is determined by several factors, including the individual's age, health, and policy details. Generally, these policies can last anywhere from 10 to 30 years, or even until the policyholder's death if specified in the policy. With variable life insurance policies in Beachwood, NJ, the insured can adjust the premiums, death benefit and the investment choices within the policy, based on their financial needs. Premiums may also be flexible, allowing for payments that fit into the policyholder's budget.
Compare Beachwood, NJ 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