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With PolicyHub you get to compare over 37 Beverly, MA Variable Life Insurance policy providers in as little as 15 minutes. Save time. Save big. Get started now.
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Over 37 policy provider comparison.
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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.
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 Beverly, 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.
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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 Beverly, MA.
Frequent Questions...
Variable life insurance is an individual life insurance policy where the premium payments and death benefit are dependent on the underlying performance of investments selected by the policyholder. In Beverly, MA, variable life insurance can be an attractive option for those who may be seeking to have more control over the rate of return of their investments. Variable life insurance provides potential access to a variety of investment choices, and the potential opportunity for higher rate of return than some other types of insurance.
Can I use my variable life insurance quotes in Beverly as collateral?
Yes, in Beverly, MA, you can use variable life insurance as collateral for a loan. Variable life insurance is a type of permanent life insurance that accumulates cash value over time. This cash value can be used to loan against in some situations. However, it is important to understand the risks and advantages associated with taking out a loan against your variable life insurance. Depending on the type of loan, there can be taxes and additional fees required by the lender that could reduce the amount of money available in the future.
Can I withdraw or borrow from a variable life insurance policy Beverly?
As a resident of Beverly, MA, if you need financial liquidity, you may be able to withdraw or borrow cash from your variable life insurance policy if it has a cash value; however, it is important to check the terms of your insurance policy to understand exactly how much you are authorized to withdraw or borrow. Additionally, in most cases, withdrawals or loans must at least partially be repaid with interest over time, and if you default on payments they are typically considered taxable.
Do I need to understand investments for variable life insurance near Beverly?
No, Beverly, MA residents don't need to be investment-savvy to purchase variable life insurance. Whether or not you have an in-depth understanding of investments, buying a variable life policy is usually a simple process. Working with a professional and experienced insurance agent should be helpful as they can answer any questions you have, provide advice, and explain the product in further detail. Additionally, there are resources available to reduce risk and maximize advantages. Seek out an experienced insurance professional to make sure you're making the best decision for your life insurance needs.
How does a variable life insurance quote Beverly handle dividends?
In Beverly, MA, dividends that are paid out on variable life insurance policies are treated as additional insurance premiums. These premiums can be used to reduce the amount of future premiums you must pay, increase the death benefit of the policy, or be used to purchase supplementary life insurance coverage. Dividends are not taxable as income as long as they are used to pay premiums, but any excess dividends that are withdrawn will be subject to taxes. Dividends are a great way to gain more coverage and reduce your out-of-pocket expenses for insurance premiums.
The death benefit for individuals living in Beverly, MA varies depending on the performance of the investments. Generally, the amount of coverage provided on a life insurance policy is determined by an individual's age, health and occupation, and is based on the type of policy chosen. The rates for those living in Beverly, MA may also be impacted by the investment performance, as it could affect the premium rate charged, which would then lead to a difference in the ultimate death benefit paid out. Ultimately, the performance of the investments could provide a beneficial impact on the death benefit or could negatively impact the amount of coverage.
Do variable life insurance policies near Beverly provide guarantees on returns?
Variable life insurance policies are not guaranteed investments, instead they offer people in Beverly, MA the potential to access a variety of different investment options within the same policy. Returns and levels of risk vary depending on which options are chosen, so it is important to discuss with a knowledgeable financial advisor what type of investments would be right for you. In addition, some policies also offer potential death benefits and cash value growth on top of any potential investment return.
How can I monitor performance of my variable life insurance in Beverly?
For Beverly, MA residents, tracking the performance of your variable life insurance investments is easy. Simply log in to your account with the insurance company or review the statements they have provided. Additionally, there are external resources available online to help you gauge the performance of your variable life insurance investments. You can view independent ratings of performance from top research firms, compare the performance of individual funds, and more. Making sure you understand the long-term investment performance of variable life insurance is key to getting the most out of your policy.
How liquid is the cash value of my Beverly variable life insurance policy?
The cash value of a variable life insurance policy depends on several factors, most notably the policyholder's age, the type of policy, and the performance of the underlying investments. For Beverly, MA residents, a well-chosen variable life insurance policy can offer the flexibility to manage their cash value and adjust their coverage based on their current financial situation. Additionally, this type of policy can help provide financial security for their families in the event of an untimely death. It's important to review the details of any policy and make sure it fits your financial needs.
Can I convert from term life insurance with a Beverly variable life insurance company?
If you're seeking to convert your term life insurance to variable life insurance, and you're located in Beverly, MA, you may be in luck. In most cases, it's possible to make the switch with a little bit of effort. You'd need to start by consulting with a seasoned financial advisor in the area who is experienced in life insurance policies. The advisor would be able to help you analyze and determine if the switch would be the right move for you financially.
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