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With PolicyHub you get to compare over 37 Boston, 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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Benefit from exclusive deals offered only to residents of your state, and lock in huge rate discounts.
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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.
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 Boston, 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 Boston, MA.
Frequent Questions...
A variable life insurance policy is a unique form of life insurance that can provide financial security to individuals in Boston, MA. The primary components of a variable life insurance policy include a cash value component, with value related to the performance of the underlying investments, and a death benefit which is based on the insured's policy at the time of death. The death benefit amount can be determined by subtracting the cash value from the total death benefits stated in the policy. Additionally, the policy may also include various riders, which provide additional benefits or protection depending on the individual policy.
With variable life insurance quotes in Boston, how is the beneficiary impacted by investment performance?
Beneficiaries in Boston, MA will be affected by the performance of their investments by determining their access to the returns and profitability of the portfolio. Depending on the market, the investments may provide passive savings, long-term success through appreciation, or respectable income through dividends. Over time, investments can help to increase the net worth of the beneficiary, while also helping them to achieve their goals for retirement and other financial milestones.
What potential risks are there with a variable life insurance policy Boston?
In Boston, Massachusetts, the potential risks associated with variable life insurance vary significantly depending on market conditions, volatility, and other factors. A variable life insurance policy may be suitable for individuals searching for greater potential for growth in their death benefit, but it also carries investment risk due to market fluctuation. When selecting a variable life insurance policy, individuals should consult with a trusted financial professional and conduct research to understand the details of the product and the market, such as investment objectives and unrealized gains/losses.
Do I need to understand investments for variable life insurance near Boston?
Buying variable life insurance in Boston, MA does not require you to be investment-savvy. However, it is important to be aware of the risks and rewards of investing. You should be familiar with the types of investments available and how they may affect your insurance policy. Consult with a certified financial planner in Boston, MA who can help you understand the details of variable life insurance investments and answer any questions you may have.
What are the surrender fees for a variable life insurance quote Boston?
The surrender charges for variable life insurance in Boston, MA can vary based on the policy you choose and the provider you're working with. Generally, surrender charges are imposed when you withdraw money from your invested funds before a certain amount of time has passed. Typically, these fees decrease over time, usually within the first 7-8 years of the policy. Be sure to research the fine print of the policy you plan to purchase, as the surrender charges will vary depending on the provider.
The death benefit for an investment in Boston, MA can vary depending on the performance of the investment. When stocks, bonds, mutual funds, and other investments perform well, the death benefit increases. On the other hand, if the investments perform poorly, the death benefit decreases. In addition, the fees associated with the investment, such as broker commissions and taxes, can also affect the death benefit amount. It is important to monitor the performance of the investment regularly to ensure the death benefit amount remains as expected.
How flexible are premium payments for variable life insurance policies near Boston?
In Boston, MA, variable life insurance premium payments can be highly flexible and tailored to a policyholder’s budget and goals. Generally, premiums are payable annually, semi-annually, quarterly, or monthly, and policyholders can choose whichever payment schedule best fits their needs. However, many insurance companies in Boston also offer flexible premium payment options, such as flexible payments that can be varied from year to year, or a "pay-up" option, which allows individuals to make payments in an amount more than the minimum rate due.
Can I change investment options for variable life insurance in Boston without tax effects?
In Boston, MA, you can switch between investment options without tax implications if you take advantage of the Massachusetts Gains Reclassification Exchange (MaGRE) program. This program allows Massachusetts taxpayers to exchange mutual fund shares, which allows for either cost-basis or tax-free returns. When you reclassify shares under MaGRE, you can reinvest the proceeds in other funds or investments without being subject to capital gains tax. Additionally, MaGRE allows for an increased flexibility in investment strategies, such as asset location or sector rotation, without any adverse tax implications.
Is my Boston variable life insurance policy considered permanent life insurance?
Variable Life Insurance is a type of permanent life insurance that is available to Boston, MA residents. It provides financial stability and flexibility by allowing policyholders to invest in a selection of mutual funds, stocks, and bonds. With this type of policy, policyholders can reduce their risk while still having the security that comes with permanent life insurance. Variable life insurance can help people achieve greater financial freedom through the fast-paced and ever-changing Boston market. This type of insurance is an excellent choice for individuals living in Massachusetts looking to secure their future.
Do I get dividends from my Boston variable life insurance company?
Depending on the type of variable life insurance purchased and the funds offered in the policy, you may be eligible to receive dividends in Boston, MA. For Variable Universal Life Insurance and Indexed Universal Life Insurance, dividends are usually not available. However, if you purchased a Variable Life Insurance policy and elected to allocate some of your funds to a mutual fund, you may be eligible to receive dividends. Generally speaking, those dividends are paid out of the profits earned from variable investment funds such as stocks, bonds, and other investments.
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