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With PolicyHub you get to compare over 37 Edgewater, 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 Edgewater, 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
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 Edgewater, NJ.
Frequent Questions...
Variable life insurance policies in Edgewater, NJ typically include coverage for death benefits, cash value, and other components of premium and account value. The policyholder can choose how to invest the policy’s premium: stocks, mutual funds, or bonds. The policy’s death benefit varies depending on the cash value of the policy and the performance of the underlying investments. If the investments perform poorly, the value of the policy can decrease. Additionally, investments created through a policy are typically subject to taxes if they are withdrawn prior to maturity.
Are there early withdrawal penalties for variable life insurance quotes in Edgewater?
Yes, there are penalties for early withdrawal from the cash value in Edgewater, NJ. Generally, individuals who choose to withdraw their funds prior to maturity will incur a surrender charge. The amount of this charge depends on the insurance company and the type of policy. Furthermore, if the funds are withdrawn too early, the policyholder may also be subject to income taxes and potential withdrawal charges due to early termination of the contract. Edgewater, NJ policyholders should consider the long-term effects of an early withdrawal before opting to surrender their policy.
What are the tax aspects of a variable life insurance policy Edgewater?
The variable life insurance tax implications in Edgewater, NJ, depend on the financial choices made for the policy. These decisions, ranging from fund investments to withdrawals, will make an impact on the policyholder's tax situation. Verify with an accountant or financial advisor to ensure the policyholder is in line with current regulations and takes advantage of any tax incentives associated with variable life insurance policies. It's important to note that if the policy owner terminates the policy with a colossal surrender, a penalty or additional taxes might apply.
Do I need to understand investments for variable life insurance near Edgewater?
Purchasing variable life insurance in Edgewater, NJ does not require you to be investment-savvy, though it does involve making important decisions about how you wish to invest your money. Variable life insurance provides you with the freedom to choose how your money is invested in different options, allowing you to potentially earn a greater return on your policy’s cash value. It is recommended that before you make any investment decisions, you seek professional financial advice to ensure that any decisions you make are suitable for your financial situation.
How does a variable life insurance quote Edgewater handle dividends?
At Edgewater Financial Solutions, we understand that dividend treatment is an important consideration for variable life insurance. In this type of policy, dividends have a potentially beneficial impact on the future performance of the policy and can provide you with bonuses, cost savings, or even cashback. These dividends may be used to pay the premiums, cover the fees and expenses of maintaining the policy, or even purchase additional death benefit or cash value. These dividends may also be used to potentially increase the cash value, helping to create a larger nest egg.
At Edgewater, NJ, there are limitations on fund transfers within the policy due to the need to safeguard both customer and business interests. Customers with accounts in good standing may transfer up to $2,000 per day between personal accounts. Business account holders may transfer up to $5,000 per day. Customers will incur a $2.50 per transaction fee for transfers in excess of $2,000 for personal accounts and $5,000 for business accounts. Additionally, customers may be asked to complete additional authentication procedures if further information is required.
How does cash value growth influence death benefit with variable life insurance policies near Edgewater?
In Edgewater, NJ, the cash value growth in variable life insurance offers financial protection to you and your family. As the cash value grows, so does the death benefit. This means that if the policy holder dies, their beneficiaries will be provided with financial protection to meet their income and other needs, as well as leaving a legacy to their heirs. The greater the cash value, the greater the death benefit, providing additional financial security in the event of the policy holder's passing.
Can I change investment options for variable life insurance in Edgewater without tax effects?
At Edgewater, NJ, you can switch between investment options without having to worry about triggering any negative tax implications. With our team of experienced financial advisors and experts, you can rest assured that we will guide you in making the best decision for your investments. Our commitment to providing you with the most up-to-date information about financial markets and technology enables us to make informed decisions on your behalf. We offer comprehensive advice and financial planning options tailored to you and your unique needs.
Can I use my Edgewater variable life insurance policy for retirement savings?
Residents of Edgewater, NJ can certainly use variable life insurance as a retirement savings vehicle. Variable life insurance is a type of permanent policy that offers the added benefit of allowing policyholders to allocate part of their premium to a tax-deferred, interest-bearing account. These funds can then be used to increase the death benefit of the policy or to supplement retirement income. Variable life insurance policies also provide policyholders with death benefit protection, flexible premiums, protection from creditors, and the option to strategically invest in a diversified portfolio of stocks, bonds, and mutual funds.
Does my Edgewater variable life insurance company offer a grace period for premium payments?
Yes, customers in Edgewater, NJ have a grace period for premium payments on their variable life insurance. Customers have up to 30 days or until the close of the current policy month to pay any premiums due, whichever is longer. This allows customers extra time to arrange and make payments on their variable life insurance policy without having any lapse or penalty. Customers should always contact their carrier directly for more specific information related to their policy premium payments.
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