Compare over 37 Variable Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Brookline, MA 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 Brookline, 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.
![]() |
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 Brookline, MA.
Frequent Questions...
Variable life insurance is a type of permanent life insurance policy offered to Brookline, MA residents that allows you to potentially build cash value that can help you meet your long-term financial needs. The cash value in this policy may be invested in options that are made available to you, such as stock and bond mutual funds, which you can select and reallocate based on your tolerance for risk and financial goals. You can make changes to the policy regarding premium payments and death benefits as your financial situation and goals change over time, so you will always have the flexibility to adapt to your changing circumstances.
Can I use my variable life insurance quotes in Brookline as collateral?
While it is sometimes possible to use variable life insurance as collateral for a loan in other locations, in Brookline, MA collateral is typically limited to real property and certain listed securities. The amount of a loan which you can secure with it also might not be as high as one which is backed by something like a home or other real property. Additionally, because the face amount of a life insurance policy fluctuates, it may be difficult for lenders to determine how much of a loan they should extend when using a life insurance policy as collateral.
With a variable life insurance policy Brookline, can I decide where my premiums are invested?
Depending on the provider, you may be able to invest your premiums and manage your policy’s performance in a way that aligns with your goals and preferences. For instance, if you live in Brookline, MA and have variable life insurance with a provider that offers flexible investment options, you could choose to invest in assets located in Brookline, specific assets located in the greater Boston area, or even nationwide investments. By further customizing your investments within these options, you might be able to optimize your policy’s growth potential and make sure it’s a proper fit for you.
What fees are there with variable life insurance near Brookline?
Variable life insurance fees in Brookline, MA are based on the complexity of the plan you choose and the benefits of your policy. Generally, you’ll incur an insurance policy issue fee and then a mortality and expense fee. Depending on your policy, there can also be fees that go to cover management expenses for the variable investments in your portfolio and administrative fees for services. Looking into the fine details of each policy will help ensure you understand all the various fees so you know what to expect from your insurance premium and how much of it will go towards actual coverage.
Can I include riders in my variable life insurance quote Brookline?
Yes, adding riders to a variable life insurance policy is possible. In Brookline, MA, you can contact an independent insurance agent with expertise in variable life policies to discuss your options. Adding riders or endorsements is an easy way to customize your policy and ensure it meets the unique needs of your family. For example, a rider may provide additional life insurance coverage to your children, or it may cover any costs associated with long-term care.
The death benefit for investments held with Brookline, MA-based financial services providers can vary depending on the performance of the investments. Typically, investments that perform better are more likely to provide a larger death benefit. This is because better investments usually provide larger returns which can then be passed onto the death beneficiaries. Moreover, with better performing investments, the death beneficiaries may also be entitled to receive additional dividends and bonuses. Therefore, while death benefits can vary with investment performance, it is beneficial to invest in products that offer higher returns and more potential for growth.
How does cash value growth influence death benefit with variable life insurance policies near Brookline?
In Brookline, MA, cash value growth in variable life insurance can have a major impact on the death benefit amount. The cash value growth produced by investing premiums into stocks, bonds, and other vehicles can be used to enhance the overall death benefit. Additionally, the cash value growth can also be used to reduce overall premiums by offsetting the risk of the mortality of the insured through the accumulation of cash value that is available for withdrawal or loan purposes.
Are management fees for variable life insurance in Brookline similar to mutual funds?
In Brookline, MA, variable life insurance plans tend to offer similar management fees as those charged for regular mutual funds, making it possible for consumers to access competitively priced services. However, it’s important to consider other fees such as mortality and other expense charges, as well as any applicable surrender charges when deciding which investment option is right for you. It’s also important to speak to a financial advisor who is aware of the current market trends and the cost involved with different options in the Brookline area.
How does my Brookline variable life insurance policy handle loan interest?
In Brookline, MA, the policy loan interest on a Variable Life Insurance policy is considered taxable income at the federal and potentially state levels. However, policyholders in Brookline can offset this income with the potential exemption for policy loans allowed by Massachusettes General Laws Chapter 175, Section 48. If they qualify for the exemption, the policyholder’s taxable income from policy loans may be reduced, potentially eliminating the taxable income entirely.
Do I get dividends from my Brookline variable life insurance company?
Depending on the provider, you may receive dividends from the investments within your variable life insurance policy in Brookline, MA. These dividends are paid directly to the policyholder and come from profits the insurer earns on the investments within the life insurance policy. When the insurer makes a profit from the investments in the variable life policy, they will distribute a portion of these profits to the policyholder in the form of dividends. Generally, the more investments you make into your policy, the more dividends you will receive.
Compare Brookline, MA 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