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With PolicyHub you get to compare over 37 Bradley Gardens, NJ Variable Life Insurance policy providers in as little as 15 minutes. Save time. Save big. Get started now.
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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 Bradley Gardens, 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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Mark Sidway is a Variable Life Insurance agent licensed in your state.
Cale Reeves
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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 Bradley Gardens, NJ.
Frequent Questions...
Variable life insurance policies, available to Bradley Gardens, NJ consumers, offer the policyholder much more control over their policy than traditional life insurance policies do. With variable life insurance, individuals can shape their policy by choosing from a selection of investment options through their insurance provider. These investments grow tax-deferred while simultaneously being used to pay out the death benefit, allowing policyholders more freedom to make decisions that work in their favor. Variable life insurance offers flexible cash values and premium payments, as opposed to traditional life insurance, which generally does not allow for such adjustments.
Can I use my variable life insurance quotes in Bradley Gardens as collateral?
Yes, depending on the type of loan and your financial situation, variable life insurance can be used as collateral for a loan in Bradley Gardens, NJ. Generally, when loaning against a variable life insurance policy, lenders use the cash value of the policy to secure repayment of the loan. Most lenders will require a minimum policy value, and the loan details, repayment period, and interest rate vary from lender to lender. It's important to consider repayment prospects and financial obligations before taking out a loan against your insurance policy, as loans or withdrawals reduce the cash value or death benefit.
With a variable life insurance policy Bradley Gardens, can I decide where my premiums are invested?
Yes, with variable life insurance, policyholders can choose where their premiums are invested. In Bradley Gardens, NJ this means you have the freedom to choose investments that cater to your individual needs and preferences. From stocks to mutual funds to variable annuities, there are a range of options available to help you maximize the rewards of your investments. Plus, with a variable life policy, you can monitor and review your portfolio to make sure you're always on track to reach your financial goals.
Do I need to understand investments for variable life insurance near Bradley Gardens?
No, you do not need to be investment-savvy to purchase variable life insurance in Bradley Gardens, NJ. It's a great product for individuals or families who want financial protection for their loved ones, as well as an additional savings component. Variable life insurance policies are extremely flexible so you can choose options that fit your individual financial needs and goals. Speak with a professional financial advisor in your area to explore whether variable life insurance is the right decision for you and your family.
What are the surrender fees for a variable life insurance quote Bradley Gardens?
Surrender charges for variable life insurance in Bradley Gardens, NJ may differ depending on the life insurance provider, as well as the type of coverage purchased. Generally, if the policyholder opts to cancel the policy with a cash surrender, the return of premiums paid may be subject to a fee. The exact amount of the fee varies and is typically expressed as a percentage of the account value. To obtain the exact surrender charge for a variable life insurance policy in Bradley Gardens, NJ, it is best to contact the life insurance provider.
Variable life insurance policies may be well-suited for short-term coverage needs in Bradley Gardens, NJ. Since someone can choose the amount of coverage to match their budget, variable life insurance is versatile and flexible. It also offers the potential of additional cash values over the life of the policy and may do so more quickly than other types of life insurance policies. With competitive rates to help offset premiums, it is an attractive choice for individuals looking for short-term coverage in Bradley Gardens, NJ.
Do variable life insurance policies near Bradley Gardens provide guarantees on returns?
Variable life insurance offered by providers in Bradley Gardens, NJ does not guarantee a specific return on investment, but it does provide a death benefit for beneficiaries which can be increased with the addition of various investment options. These investment options vary in risk and reward, and make it possible for policyholders to diversify their investments to secure a greater potential return. Financial advisors can help policyholders decide the best plan for their specific situation and goals.
Can I change investment options for variable life insurance in Bradley Gardens without tax effects?
At Bradley Gardens, you have the ability to switch between investment options without incurring any additional taxes. The New Jersey state government offers a wide range of tax incentives and exemptions depending on the type of investment, like local stock and bond investments. Even if you choose to switch between options or reinvest in different funds, you can still benefit from the tax savings. Taxes are often lower on investments and other forms of capital growth in New Jersey as compared to other states, making it easier to switch between options.
How liquid is the cash value of my Bradley Gardens variable life insurance policy?
In Bradley Gardens, NJ, the liquid cash value of a variable life insurance policy is determined by the performance of the investment assets and the policyholder's premium contributions. The policy's cash value typically fluctuates over time and is directly related to these factors. In other words, premiums paid into the policy can be withdrawn or borrowed from in the form of cash and the performance of underlying assets will directly impact the cash value of the policy. Policyholders should be mindful that any withdrawals and/or policy loans taken from the policy will reduce the cash values and the eventual death benefit.
How do loans affect death benefits with my Bradley Gardens variable life insurance company?
Policy loans from variable life insurance can have both positive and negative effects on the death benefit in Bradley Gardens, NJ. On one hand, if a loan is taken from the death benefit, the loan balance is not payable at death, and so the death benefit would be reduced by whatever amount the loan balance is at the time of death. On the other hand, policy loans offer an opportunity to leverage the death benefit by allowing funds to be utilized now, while also providing the opportunity to potentially increase the death benefit by using loan repayments as additional contributions.
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