Compare over 37 Variable Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 East Massapequa, NY 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 East Massapequa, NY. 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 East Massapequa, NY.
Frequent Questions...
Variable life insurance policies offered in East Massapequa, NY allow policyholders to determine the amount of their premiums, within certain limits. However, the actual premiums may vary depending on the performance of the policy's underlying investments. As a result, the premiums are not fixed, but are dependent on investment returns. It should also be noted that if a policyholder chooses to increase his premium amount, any potential death benefit could increase as well.
Are there early withdrawal penalties for variable life insurance quotes in East Massapequa?
In East Massapequa, NY, there may be penalties for early withdrawal from the cash value, depending on the nature of the policy. The exact penalty and fees most likely vary by insurer, and it can be quite substantial, so itโs always best to speak with a financial advisor who knows the fine details and can provide assistance in avoiding these additional costs. Generally, the policyโs withdrawal charges are intended to discourage taking money out of your policy before you'd planned. Consulting with a trusted professional before making this decision would be wise.
With a variable life insurance policy East Massapequa, can I decide where my premiums are invested?
Yes, you can decide where your premiums are invested with variable life insurance in East Massapequa, NY โ and many other places in the United States! By selecting a carrier that offers variable life insurance, you have the opportunity to choose your insurance carrier's investment options as well as other external investment options that meet your needs. So, you are able to customize your investments according to your unique financial needs and goals. Be sure to speak with an experienced insurance professional to ensure that you understand the associated risks and appropriate steps to take when making your selection.
Do I need to understand investments for variable life insurance near East Massapequa?
No, you do not need to be investment-savvy to purchase variable life insurance in East Massapequa, NY. Many of the area's insurance specialists will provide guidance and resources to ensure that you understand the different components of a variable life insurance plan. Additionally, they can provide advice on which plan might be suitable for your specific financial and lifestyle goals. Furthermore, you may be eligible for discounted premiums if you hold a policy from a particular provider or if your insurance is paid for through your employer.
How does a variable life insurance quote East Massapequa handle dividends?
Dividends in variable life insurance can vary greatly depending on policyholders in East Massapequa, NY. Generally, dividends can be applied to the account value of your policy, to reduce premiums, or to purchase additional insurance. This flexibility gives policyholders choices, allowing them to customize benefits and premiums to fit their individual needs. As with any insurance product, it is important to consider your unique situation and the coverage you need before investing in variable life insurance in East Massapequa, NY.
Yes, there are age restrictions for purchasing variable life insurance in East Massapequa, NY. Generally, applicants must be 18 years old or older to get such an insurance policy. However, some companies may have a minimum age requirement of 21 years old. Generally, there is no maximum age limit for obtaining variable life insurance. However, some companies may impose limits depending on the type of policy purchased, by considering the expected term and age of death. It's best to contact an insurance broker to determine eligibility for variable life insurance in East Massapequa, NY.
Can I direct specific investment strategies for variable life insurance policies near East Massapequa?
Generally speaking, policyholders cannot dictate specific investment strategies for the cash value of their insurance policies in East Massapequa, NY. Most insurance companies allow policyholders to select from a variety of investment strategies offered by the company, including investment options with securities and mutual funds. Ultimately, though, the company maintains control of the policy assets and it is not typical for policyholders to be able to direct their own investments within their policies.
Can I change investment options for variable life insurance in East Massapequa without tax effects?
Generally, you can switch between investment options without tax implications if you are investing within an IRA retirement account in East Massapequa, NY. In an IRA, you can transfer or rollover your retirement savings from one investment option to another without having to pay taxes on the money. However, be mindful that there are some limits in regards to the amount of times you can switch investment options annually, so it's important to check the rules of the specific account you have. Additionally, you can discuss your options with a financial advisor to ensure you are making the most informed decision.
How liquid is the cash value of my East Massapequa variable life insurance policy?
The cash value of a variable life insurance policy in East Massapequa, NY depends on a few key factors. Firstly, the performance of the investments backing the policy, such as stocks, bonds or mutual funds, will affect how liquid the cash value is. If the investments have yielded strong returns, it will likely be more easily accessible. Additionally, the policies purchased by the insured will have specific clauses regarding liquidity, such as early withdrawal fees, surrender charges, and any additional taxes.
Do I get dividends from my East Massapequa variable life insurance company?
In East Massapequa, NY, you may not receive dividends from the variable life insurance investments, as dividends are typically associated with life insurance policies that are permanent, such as whole life policies. Instead, the investments within variable life insurance policies typically experience capital appreciation through market fluctuations. Additionally, you may collect interest payments or bonus dividends as a result of particular investments that your variable policy may offer. It is important to note that your returns are not guaranteed and you may face the risk of losing your premiums should your investments underperform.
Compare East Massapequa, NY 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