Compare over 37 Variable Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Colonia, NJ 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 Colonia, 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.
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 Colonia, NJ.
Frequent Questions...
A variable life insurance policy is an important coverage option for individuals living in Colonia, NJ. It features three primary components: a death benefit, an investment portfolio, and a withdrawal option. The death benefit pays out to your beneficiary should you pass away while the policy is in force. The investment portfolio allows you to customize the policy to fit your needs and goals by investing in highly-rated mutual funds. Finally, the withdrawal option enables you to benefit from the tax-deferred growth of the policy while alive, should you need to access the assets.
Do variable life insurance quotes in Colonia come with a cash surrender value?
Yes, variable life insurance does have a cash surrender value in Colonia, NJ. Depending on the policy, the holder may be able to cash out the policy and receive a surrender value based on the amount of time the policy has been held and the performance of the underlying investments. All policyholders are eligible to cash out a portion of the surrender value once they reach a certain age, but taxes may be required upon the surrender of the policy. It is important to consult a financial advisor to understand the exact details of the surrender value associated with your variable life insurance policy in Colonia, NJ.
Can I withdraw or borrow from a variable life insurance policy Colonia?
Yes, it is possible to withdraw or borrow from the cash value of your variable life insurance policy in Colonia, NJ. Your particular policy will determine if you are able to take out these funds, and specify any associated fees or minimum levels of coverage. Additionally, there may be certain limitations you should be aware of before deciding to withdraw or borrow from your cash value. It is also important to note that you may incur a surrender charge, and loans against your life insurance policy may have tax implications. Consider consulting with a financial professional in Colonia, NJ to ensure you make an informed decision.
What fees are there with variable life insurance near Colonia?
The fees associated with variable life insurance in Colonia, NJ depend on the policyholders chosen coverage and benefits. This type of life insurance works with a cash value component and allows the policyholder to invest some of their premium payments in different funds. While these funds offer higher potential returns they also come with associated fees, which can include the cost of policy fees, administrative fees, and the cost of funds themselves. It is important to review all fees and charges with your insurer to ensure they are transparent and also that they are within your budget.
Can I include riders in my variable life insurance quote Colonia?
Yes, you can definitely add riders to your variable life insurance policy if you live in Colonia, NJ. All you need to do is contact the insurance company and complete the appropriate paperwork. In Colonia, you may be able to add riders to enhance the policy benefits such as disability income and long-term care benefits. Depending on the company, you may also find riders available for an additional cost to cover things like accelerated death benefits, waiver of premium, or return of premium. Riders are a great way to customize your life insurance policy and tailor it to meet your specific needs.
Yes, there are certain limitations on fund transfers within the policy for Colonia, NJ residents. For example, transfers must be authorized by the account holder, the authorized recipient must have a valid bank account, and the transfer must not exceed the maximum amount allowed. All transfers must also be completed within the approved timeline, must be compliant with applicable laws and regulations, and cannot be conditioned on the payment of a service charge, unless authenticated by the account holder. Additionally, any transactions that are deemed illegal or fraudulent by the governing authorities will be void.
How flexible are premium payments for variable life insurance policies near Colonia?
With Colonia, NJ's variable life insurance, premium payments are incredibly flexible. You can adjust your payments to meet your financial goals, as well as your lifestyle. So you can choose to pay more upfront, spread the payments out over a longer period of time, change the frequency of payments, skip payments, or even pay in a lump sum if desired. Furthermore, if your circumstances change, you can also obtain the ability to make additional premium payments after the policy is in force.
How regularly should I check my variable life insurance in Colonia?
When it comes to your variable life insurance policy, it is important to review it annually. Life circumstances and financial needs can change over time, and you want to make sure your policy is always appropriate and up to date. In Colonia, NJ, you should consider scheduling regular review appointments with your insurance agency to ensure you're receiving the coverage that best suits your needs. Failing to keep up with changes can result in being overor under-insured, so making sure your policy still satisfies you is essential.
Can I use my Colonia variable life insurance policy for retirement savings?
Yes, Colonia, NJ residents can use variable life insurance to help plan for their retirement. The insurance provides a steady cash flow and also potential growth opportunities for savings. Policyholders can sometimes invest in mutual funds, stocks, and other securities, along with the option to manage their own assets. Variable life policies also provide death benefits and tax advantages, ensuring that loved ones are taken care of and that the policyholder can maximize their retirement funds when the time comes.
Do I get dividends from my Colonia variable life insurance company?
The answer to your question depends on several factors unique to Colonia, NJ and your investment strategy. As a resident of Colonia, NJ, you may be eligible to receive dividends from certain investments within your variable life insurance policy. Based on the investments you're considering, you'll want to research whether they offer dividend payments, the length of time before they can be paid out, and the amount of dividends you could receive. Additionally, it's important to understand whether the dividends will be taxed or not.
Compare Colonia, NJ 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