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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 Clifton, 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.
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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 Clifton, NJ.
Frequent Questions...
Variable life insurance policies offer Clifton, NJ residents coverage options tailored to their individual needs. The primary components of a variable life insurance policy are the death benefit, the cash value, and the premium payments. Death benefit refers to the amount of money that is paid to the beneficiary upon the insured person's passing. The cash value of the policy is the amount accumulated from the premiums paid, and it can be accessed through certain withdrawal and loan provisions. Lastly, the premiums are the payments made to keep the policy in force.
With variable life insurance quotes in Clifton, how is the beneficiary impacted by investment performance?
The beneficiary of an investment in Clifton, NJ stands to benefit greatly from the investment performance. A well-timed and well-reviewed investment choice can yield positive returns that can contribute to financial security in the future that could help to cover college tuition, medical expenses, or even provide retirement income. The beneficiary's financial resources are likely to be improved when an investment increases in value over time. In turn, this can result in more opportunities, such as enhancements to their lifestyle.
How does the cash value work for a variable life insurance policy Clifton?
Cash value component in variable life insurance in Clifton, NJ is an important feature since it provides added flexibility and protection for policyholders in case of emergencies. The cash value component in variable life insurance allows the policyholder to withdraw some of the accumulation value from the policy for their own use while still keeping some of the accumulation value intact. This can be beneficial if the policyholder is looking to make a significant purchase or they need funds to cover a medical emergency.
How transparent is the investment performance of variable life insurance near Clifton?
At R&T Insurance Services in Clifton, NJ, we strive to provide our clients with full transparency when it comes to the investment performance of their variable life insurance policies. We provide clients with all the information they need to make the most informed decisions with their finances. We also take the time to explain the performance of their investments, emphasizing what they need to do to optimize their portfolio and maximize the returns on their investments.
How does a variable life insurance quote Clifton handle dividends?
In Clifton, NJ, the dividends from variable life insurance policies are typically credited to the policyholder's contract's cash or accumulation value. These dividend payments can be used to reduce premiums, buy additional insurance, or be used to purchase investments within the cash value. Depending on the type of policy, dividends may also be used to purchase optional riders, purchase additional death benefits, or pay for policy charges. Dividends are not guaranteed and the amounts credited to the contract may vary in the future.
Yes, the policy for fund transfers within Clifton, NJ has certain limitations in place. For instance, if the funds are transferring from overseas, there may be limits to the total amount that can be transferred to local accounts. Additionally, certain types of fund transfers may be prohibited altogether. To ensure you understand the specific fund transfer limitations relevant to Clifton, NJ, it is best to consult with a banking representative who is knowledgeable about the local restrictions.
How does cash value growth influence death benefit with variable life insurance policies near Clifton?
In Clifton, NJ, cash value growth in variable life insurance policies have a direct impact on the death benefit. The death benefit is determined by the cash value at the policyholder's death, which means that the more cash value the policy accumulates, the larger the death benefit will be. Therefore, when policyholders in Clifton, NJ make additional contributions to the cash value, the death benefit could potentially increase in the future. The death benefit may even eclipse the original coverage amount should the cash value grow sufficiently.
How can I monitor performance of my variable life insurance in Clifton?
To track the investment performance of your variable life insurance in Clifton, NJ, the best option is to contact your insurance provider who is knowledgeable about Clifton's specific regulations and restrictions. Upon contact, they can provide detailed information about what investment options are accessible in Clifton and how to track the performance of those investments. You can also use various financial services like budgeting apps or investment monitoring services available and tailored for your specific situation to track your variable life insurance investments.
Can I use my Clifton variable life insurance policy for retirement savings?
Yes, variable life insurance can be used as a retirement savings vehicle in Clifton, NJ, depending on the individual's unique goals and financial situation. Variable life insurance is a type of permanent life insurance that provides death benefit protection and offers a cash value component to which policyholders can allocate their premiums. This cash value is invested in different mutual funds and can accumulate tax-deferred, providing the opportunity to withdraw funds tax-free to supplement retirement income in Clifton, NJ.
Do I get dividends from my Clifton variable life insurance company?
In Clifton, NJ, when investing in a variable life insurance policy, you will have the potential to earn a dividend. Variable life insurance offers you the potential to invest in a wide array of underlying funds, in which dividends may be available. Depending on the dividends earned from these funds and the specific terms of the insurance policy, your dividend may be applied back towards the cost of your coverage or distributed to you as a taxable income. It is important to discuss the specifics of your investment strategy with your financial advisor for more detailed information on what potential dividends are available to you.
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